I don’t have an opinion on Linux as a banking platform, but that analogy is bad. An Xbox can play 100% of games made for the same generation of Xbox hardware. If Linux can’t play close to 100% of the games released for PC hardware for at least a few years after the hardware was new, then it’s a substandard option. That was the case until pretty recently.
If you’ve previously identified one side as consisting of pathological liars, it’s best to ignore whatever they say because the more you hear from them, the more likely you are to accidently believe one of their lies. It takes a lot of vigilance to listen to a bunch of plausibly-true statements without misremembering some of them as being true.
Strangers who use public spaces absolutely owe other people their consideration. It’s part of the price of admission to a public space. It’s not enforceable in practice but I’d be surprised if a certain level of being inconsiderate is even legal in most public spaces.