Let's assume you get every answer wrong every time. For the first try you have a 75% chance of getting each question wrong. So this is 0.75x0.75 for both questions being wrong. This is a 56.25% chance of being incorrect on the first test.
The second test you now have 3 possible answers for each question since you can now eliminate the incorrect answers from the previous test. You now have a 66.6% chance of getting each question wrong. This is now 0.66x0.66 to get both wrong, so a 43.56% chance of failing a second time.
Now let's find the chance that you fail both the first and second attempt. This is 0.5625x0.4356 which gives 24.5% chance of failing both. We can do 1-0.245 to find the chance of passing, which gives a 75.5% chance of passing on one of the two attempts.
Been a long time since I've done something like this, so please correct if wrong. You should be able to do the opposite and calculate all the different ways of passing a and total to 100%, but that is longer than this and I cannot be bothered to check.
I've had no issues personally with my banking apps. Most require sandboxes gPlay to be installed but there was no need to be logged into google for them.
Not sure now up to date this list is now but check out this site: https://privsec.dev/posts/android/banking-applications-compatibility-with-grapheneos/