I would say the same & I don’t even use it—but I would trust it being around the longest & is better than GNOME IMO.

I use aerc thru home-manager accounts on NixOS

One of my banks properly uses TOTP which is independent & the other uses SMS which isn’t secure, but is also independent. I would straight up leave a bank if an app was required since there are always other options.

Family is the easiest to convert since they have unconditional love for you & would me the easiest to understand your concerns. You could even roll out a Snikket instance for everyone to use together.

You can still use cash & websites for banking tasks. You chat should be on an open source protocol so there is bound to be an application or web app for that too.

We can & should demand at least gateways & mirrors if not at least a single alternative. Considering they have funding, they can self-host to actually control a forum or chat room as well as a code mirror (even if just HTTP with no forge). Folks are also undervaluing how some users are banned from access to these US-based platforms under US sanctions.

The pro-FOSS stance would be to get your communications off of being exclusively proprietary platforms. Developer & early adopter freedom & privacy matters—but instead they are choosing Discord & Microsoft GitHub as their only platforms.