Although USB debugging (ADB) is arguably the main concern, a lot of apps just lazily check for developer mode - meaning they won't boot even if the menu is enabled. It allows stuff like location faking I suppose?

Or, we're going to have to start choosing banks without apps or with apps that don't have such ridiculous restrictions. Fortunately, at least in the USA there is an abundance of banks and credit unions, so if one of them treats you like this, just move your account over to a different one. I've changed my primary bank in a single day--It's not hard.

I've considered this before, but the short software support timeframe given by device manufacturers makes this a costly endeavour. I still have a perfectly functional Galaxy Tab S2 9.7, but even the third party ROMs have dropped it. I have a pixel 4a, and although it works beautifully running a supported version of lineage it's very likely that the modem baseband has a significant vulnerability that Google isn't patching. I don't think running banking or crypto wallet software on those devices is any smarter than running it on my daily driver pixel 8.