But the vast, vast majority of that communication is done over IP and has been for the past decade. It's not a "phone" at all. It's a computer with an Internet connection.
The far far worse issue is that public utilities (i.e. governments) and entities like banks force you to use an app only available through one of 2 privately owned distribution channels to interact with them. IMO this is a far worse and pervasive issue than phones being locked hardware.
And I agree that number 2 is worse, but it doesn't mean that phones being locked is chill so long as banks give you a Windows app.
No, it's still bad. They're general computation devices. I don't care what anyone says - they're not a washing machine. They're indistinguishable in hardware from any other general purpose computer.