Yes, NFC works in custom roms. You can replace Google Pay with Curve Pay and others more local options. Some countries have independent payment systems that work ass contactless payment.
Kroko
joined 1 month ago
Unlocking phones has more to do with the phone's manufacturer than the SoC it uses. Developing custom ROMs for MediaTek is more difficult. However, that doesn't mean there aren't devices with MediaTek SoCs that have custom ROMs.
Unlocking is possible outside of China https://github.com/melontini/bootloader-unlock-wall-of-shame/blob/main/brands/xiaomi/README.md
Adb command line interface is a major barrier for most users. Even with GUI tools built on top of ADB that still a barrier for many users.
I don't have experience with linux os on phones. You should ask https://www.reddit.com/user/Mister_Magister/. He is community developer of sailfish os https://www.reddit.com/r/linux/comments/1mzla4h/ive_been_daily_driving_and_developing_mobile/
Waydroid support MicroG
You can install app from Android Debug Bridge (adb). It will bypass all new restriction.
List of all Linux phones https://linmob.net/resources/#smartphones
Next gen Jolla Phone https://forum.sailfishos.org/t/next-gen-jolla-phone/23882
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You can hide root and all other stuff. Only thing you can't get long term is Google Device and Strong integrity.