Don't let the perfect be the enemy of the good. If my bank wants me to run proprietary shitware, they can supply me with their proprietary secure processor to run it on, and we're good.
Also the bank card is really part of the bank system. It doesn't do anything else, and it has to interoperate exactly as they want it to. While I may feel the right to hack on it, I'd do so entirely at my own risk. It's probably better that I don't mess with it as long as it fulfils its purpose. I can use my own device for my own stuff.
I feel the same way about ISP modems (not routers). As long as I get an Ethernet port and the modem isn't doing anything untoward, I don't see any problem with letting the ISP's network termination equipment exist inside my house. Some people think there should be a right to hand off the connection as DSL or fiber and buy your own modem, and I think you should be allowed to do that at your own risk, but I don't think the ISP should have to support it. Particularly with PON fiber or CATV, it's actually a bit dangerous to let the customer use random modems as it's a shared medium with half your street and you wouldn't want to jam them.
