You won't be excluded, just being forced to buy and operate a shitty second device with their OS just to do online banking, etc.
I have hope in open OS such as Linux and the BSDs that they also survive the upcoming hardware lockdowns. Just look how they reverse engineered the MacBook chips. Took a long time but worked out. It remains a constant fight against big tech.
I want full control, and by that I don't mean the ability to customize the color of my UI, but the ability to run whatever software I choose on the device that I supposedly own.
Sure, I may be able to technically be able to run Linux on a PC and retain my free choice for a while, but that is only until Google and Apple has finished selling their remote attestation security snake oil to governments, banks and service providers so that people like me will just be excluded from the digital society altogether.