Ultimately the real solution to a lot of these problems is likely to be a Linux phone OS. It’s something being actively worked on, but it’s still only half baked and I wouldn’t recommend anyone daily drive a Linux phone. Maybe in a few more years it will reach a state where it’s actually usable.

One thing that would help a lot is if some company stepped up to provide a platform agnostic NFC payment solution that worked on both iOS and Android. As far as I’m aware if you want NFC payment you have exactly one choice depending on your OS, and both Apple and Google brick NFC if you root your device.