> However it makes even me nerveous to use a banking application or similar on an Android. Can’t imagine what kind of shit my dad would have running on an Android device with all the fake fishing apps, bloatware, tracking etc going around.

Do these people not do banking on Windows machines? The malware situation was infinitely worse on Windows - I see an Android device with some unwanted ads maybe once a year from a friend or family member, but Windows devices are a weekly occurrence and the really nasty stuff - like password sealers and banking trojans do exist, but are extremely hard to come by on Android, compared to Windows where clicking a pop-up and a run button could leave you permanently infested.