Been there done that. Several times. Librem 5, Sailfish, PostmarketOS, Maemo, MeeGo, ...
But it's hard, as there are certain apps (like banking) that alowly (or fast) pull you back or makes the Linux phone less practical.
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Banks can be accessed from the browser. The problem is navigation apps.
Not all banks allow to access through the browser! If a bank blocks custom roms -> change bank + bad rating.