I would absolutely buy a Pixel, if only they supported sd-cards. I get that Google is pushing cloud-storage. If I smash my phone on the sidewalk, I still want to have a local storage, I can take out and thus make live backups to. There are just some features Pixels lack and privacy shouldn’t lock you out of them.
Like others said, banking needs licensing and licensing costs money. If you already have a bank account, you already trust one party. Ask them if they roll their own app-payment or are already partnered with a service. That way, you can avoid google/Apple and minimize spreading the trust to other parties. My bank cooperates with Fidesmo, for example. Fidesmo then sells wearables with nfc-pay.