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Windows, apple or any suscription that doesn't have to be a suscription.
Using GrapheneOS for a few years now, its great. Banking apps also work. Only thing that doesnt work is NFC payment via google pay.
I've read that a lot of stuff is outright blocked graphene based phones
I haven't found anything apart from Google Pay's NFC payment that doesnt work (Google Pay for online payment does work).
My list of working apps includes banking apps for two different banks, national government communication app, audi app, two apps for charging electric vehicles, two apps for public transport tickets, ...
You've read that the Volkswagen app did this , you've conflated it to "a lot of stuff" and you probably don't own a Volkswagen FWIW