Both true statements. The banking apps that don’t work aren’t because google wallet doesn’t work, but because they use the same trust policies that Wallet requires in order to run (which GrapheneOS cannot meet because its not a “trusted” OS, per Google)
It looks like you’re missing the “Manage shared info” section and “Personalized Shopping” link, which yields the above toggle for me (CA, US)…
The question is, is it gone because your privacy laws make it impossible to even offer, or because your privacy laws don’t require them to care about your opinion at all?