"only if you choose to share your personal data with either Google or Apple"?
How is that different from having a banking app installed? Or a government ID app?
I have neither. Phones are too much of a security liability to be linked into such sensitive realms of personal life.
What you can do with the ID app, you can also do on paper (if not with a Web service), except "age verification".
You can survive and be exist in society without both.