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If they banned all outdated roms why not but you can use all the banking apps on something not updated since 2019 if it's stamped by Google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