I don't think bhim requires google pay. It didn't when I last used 2 months ago. Anyways, degoogling and doing other debotnetifying shenanigans that /g/ told you while using electronic currency under government monopoly while using an app that records reads your phone calls, sms, files, etc... when it doesn't need to and phones and records in government database and connected to your bank and mobile number that also has your ID makes your whole effort pointless tbh. Private companies even if they have your data won't have any power over you unless the government lets them to. On the contrary using foreign services that your government have no power over would be an advantage tbh-this is why /g/ encourage using email services in Switzerland while telling you to never touch anything hosted in the US, even if its something that makes privacy their goal like duckduckgo(US government can request their data whenever they want to). Neither their government nor the government of switzerland(the privacy laws are very strict in their constitution and their government can't force someone to give their private data) have any power over web services hosted in switzerland.
That state is an entity that wants to preserve its monopoly over violence and thats what you should fear, not private companies that like you just want to maximize their profit(unless its a monopoly, in which case the ideal state would interfere and stop them, unless its corrupt like most governments).
Really makes you look like an NPC who did stuff just because /g/ told you to.