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Why would someone want a replacement just because someone else tells them their hardware has reached end of life?

Because there will be no more security updates of firmware, drivers, kernels, etc., all while there are monthly high/critical CVEs.

Something which in the context of a thread about banking apps seems quite relevant too.

If they banned all outdated roms why not but you can use all the banking apps on something not updated since 2019 if it's stamped by Google

I'm sure that will work for a while, but that doesn't solve the problem of that banking app sitting on an unpatched OS.

That's the paradox going on here, by updating the OS to make it more secure, you lose access to the banking apps.

What prevents you from building an up-to-date Lineage version for old hardware? It isn't exactly difficult with Claude now.

there will be no more security updates of firmware

So what? Most vulnerabilities are not in the firmware and they would hardly matter for day to day use. There is no such thing as bug free software.

Exactly. The User should decide when their device is "end of life" not the device manufacturer.