Only three phone providers -- Verizon, T-Mobil, AT&T (every other provider piggybacks on one of the Big Three.)
Only four credit cards - VISA, MasterCard, Amex, Discover. (Is Diner's Club still around?)
It's like that with many companies. Not much competition, and all of them are woke.
I made a more complete answer to someone else here:
https://freerepublic.com/focus/chat/4158180/posts
https://www.ubuntupit.com/best-linux-secure-phones-for-privacy-and-security/
You’re not actually stuck. That idea is fake and its by design. The big tech companies want you to think they have you cornered when they do not. There are options.