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Somehow all the other apps, including bank apps, do not seem to consider this necessary.

Signal always has excuses, "we can't add usernames because we don't know how to make them secure"

Bank apps do checklist-oriented security, and nobody has put that on the checklist yet.

Banks stand to lose actual money if they screw up. They do a bit more than checklists.

My one bank app makes me enable Play Store security. Another one makes me disable developer mode to use NFC payments.