I would give multiple upvotes to this, were it possible.
I do not have either Google or Apple accounts and I do not intend to ever open such accounts (despite owning some Android smartphones and having owned Apple laptops).
Because of this, I am frequently harassed by various companies or agencies, which change their interaction metods into smartphone apps and then deprecate the alternatives.
Moreover, I actually would be willing to install such apps, but only if there would be some means to download them, but most of them insist on providing the app only in the official store, from which I cannot install it, because I have no Google account.
I have been forced to close my accounts in one of the banks that I use, because after using their online banking system in the browser for more than a decade, including from my smartphone, they have decided to have a custom app.
In the beginning that did not matter, but then they have terminated their Web server for online banking and they have refused to provide directly their app, leaving the Google store as the only source of it.
I have been too busy to try to fight this legally, but I cannot believe that their methods do not break any law. I am not an US citizen, I live in the European Union, and when an European bank (a Societe Generale subsidiary) refuses to provide its services to anyone who does not enter in a contractual relationship with a foreign US company, such discrimination cannot be legal.
I sympathize with the plight, as I have also occasionally tried to fight this fight.
However, to quibble with your last analysis, you're almost certainly entering an agreement with the EU registered legal entity of a multinational company, and you almost certainly already had to do that to obtain the hardware, run the OS, use the browser, etc. The degree to which any of those contracts are enforceable is another matter.
Even if Google were treated as a local company, that does not change anything.
I find unbelievable that a bank has the arrogance of conditioning their services on whether their customers accept to do business or not with some third party.
I see no difference between the condition of having a Google account and for instance a condition that I should buy my car from Audi or from any other designated company, instead of from wherever I want. It is none of my bank's business what products or services I choose to buy or use (outside of special circumstances like when receiving bank credits).
I do not have either Google or Apple accounts and I do not intend to ever open such accounts (despite owning some Android smartphones and having owned Apple laptops).
Because of this, I am frequently harassed by various companies or agencies, which change their interaction metods into smartphone apps and then deprecate the alternatives.
Moreover, I actually would be willing to install such apps, but only if there would be some means to download them, but most of them insist on providing the app only in the official store, from which I cannot install it, because I have no Google account.
I have been forced to close my accounts in one of the banks that I use, because after using their online banking system in the browser for more than a decade, including from my smartphone, they have decided to have a custom app.
In the beginning that did not matter, but then they have terminated their Web server for online banking and they have refused to provide directly their app, leaving the Google store as the only source of it.
I have been too busy to try to fight this legally, but I cannot believe that their methods do not break any law. I am not an US citizen, I live in the European Union, and when an European bank (a Societe Generale subsidiary) refuses to provide its services to anyone who does not enter in a contractual relationship with a foreign US company, such discrimination cannot be legal.