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Formal heretic doesn't mean "actual heretic", "provable heretic", "heretic in reality", "heretic based on provable facts and air-tight logic" or any of those things. It is exclusively when the Church FORMALLY declares someone to be a heretic.
That's the problem.

Exactly.  Formal heretic is a canon law term, by way of a legal process.  As much as we all want such legal process to happen, until it does, we laymen can do nothing about it.  The Church is not a democracy.  Yelling and screaming doesn't change a thing.  Only prayer can make changes.
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...and at this point, it's better to pray for a +Francis death and the election of a holy pope, than to worry about a +Francis deposition.

Perhaps it is overdue for a prayer crusade…

History records the account of St. Athanasius' prayers concerning Arius.  The below is taken from one account of same seen at https://www.ewtn.com/catholicism/library/why-did-arius-die-such-a-death-12255

Having but eight days left, the distraught patriarch from an urge of hope within him knew what to do. He started a campaign of prayer in the cathedral. Day after day he and his parishioners prayed together there, day after day they fasted in their homes, in their appeal to a higher court. On the day before the dreaded date, at three in the afternoon the patriarch threw himself prostate on the sanctuary floor to offer his Eucharistic Lord a final petition. The attendants around saintly old Alexander heard his words distinctly.

This in brief and in essence was the petition: "Jesus my Savior and my God, if Arius communicates here tomorrow, first take your servant out of the world, I implore. But if you care for your Church, as I know you do, take Arius away."3

On that same Saturday, in the evening, Arius with a noisy following came marching through the streets of Constantinople, all of them defiantly merry in anticipation of his forced entrance to the cathedral sanctuary tomorrow, the Lord's day. They held a rally at Constantine Square, where of a sudden Arius felt ill, excused himself and went off alone. The others, suspecting nothing serious, took for granted he would soon return. He did not.

They found his body lying dead, its underbelly split open and the entrails scattered about. The body lay unattended on the ground floor of a building. The building became a metropolitan curiosity, Socrates relates. Passersby would point to it and lower their voices to speak awesomely of the death. Perhaps they were remembering that another, whom no knife touched, "burst open in the middle and all his bowels gushed out" (Acts 1:18).


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