For a common person, Google/Apple cartel is about as much unavoidable as Visa/MC one. You are one of the very few exceptions - just as there are surely exceptional people who can do financial transactions that avoid Visa/MC.
Society is not math or computer science where existence of one counterexample makes things invalid. Society is a thing of ratios and percentages. If something is almost impossible for most people, we have to treat it as impossible even though it is possible for some - otherwise bad actors get away with terrible stuff on technicalities.
(I for example pay everything with cash or wires which are free and instantaneous in my country - I use card only once in a while to withdraw cash - but it does not invalidate Visa/MC duopoly any more than your special Android that only one in ten thousand people can use either)
I am an exception just in the sense that every time when I buy a new phone I reject many times the insistent suggestions of Android to open a Google account and to enable Google Services / Google Play, until Android gives up and bothers me no more.
I do not need extra apps from the Google Store, because all the phones that I buy do the things that I need, e.g. voice calls, SMS messages, Internet browsing, photo/video recording, document reading, etc., without needing to install anything else. Things like Google Maps can be accessed in the browser, there is no need for an app.
So it is not difficult to avoid Google.
To avoid Visa and MC, one would need exceptional connections, because most online shops do not accept other methods of payment and it would not be easy to convince them to create a special method for you.
I choose wire transfers whenever I can instead of credit cards. For payments within the country there are no fees, but for payments to other countries, the fees are larger than for credit cards and the vendors are less likely to have wire transfers as an alternative method of payment.
Just because you avoid Google (and go far out of your way to do so) doesn't mean it's the same for billions of other people on the planet (and Google is far more than some apps on your phone). Likewise billions of people also use cash or other payment tech more often than Visa/MC and are not in the same situation as you.
This is why personal anecdotes are meaningless for these topics.
Society is not math or computer science where existence of one counterexample makes things invalid. Society is a thing of ratios and percentages. If something is almost impossible for most people, we have to treat it as impossible even though it is possible for some - otherwise bad actors get away with terrible stuff on technicalities.
(I for example pay everything with cash or wires which are free and instantaneous in my country - I use card only once in a while to withdraw cash - but it does not invalidate Visa/MC duopoly any more than your special Android that only one in ten thousand people can use either)