Is Digital Privacy a lost cause for the average person?

By 'Average' here, I mean people who not full time tech hobbyists or professionals. I decided to try my hand at securing my digital sovereignty and find I am losing - my banks shofited to a mobile app only presence, I went on holiday where they insisted on taking my picture and fingerprints at customs and my government has introduced an 'federated' ID platform centralising government access to my stuff across all departments (and possibly internationality).

More locally, I tried my hand replacing my Apple workstation with FreeBSD and Emacs and I soon relaised this is a full time commitment. First you have to spend all day learning how this set-up work, and if you don't like something you must work with Python Scripts or Tweak a programme using C. Then you are debendant on so many open source hobbyist project who could jump ship any time and not need to bat a single eyelid about it

I never even studied CS at school level. I feel way over my head here. And honestly, I am beginning to wonder whether the whole things is even worth it.

Any veterans here have any thoughts? Is it worth trying to hang in there at this point, especially considering I can't even bank without an iphone.