What are you going to do once Google makes TEE-based bootloader unlock checking a mandatory part of SafetyNet? Right now, I'm in the same camp as you, and I don't have a good answer to that myself.

I'll likely just not use banking software that requires safetynet.

If that means I need to switch banks, that's OK.

It's a lot more than just banking apps. It's also McDonald's, Netflix, Snapchat, Pokemon Go, Super Mario Run, etc. Will you just stop using all of them too?

I've never used any of those apps. But McDonald's particularly? I know those other apps are popular, but who actually installs the app for a fast food restaurant? I thought this was something these companies wasted money on because they wanted to feel techy and trendy, I didn't think anybody actually fell for it though.

Just walk up to the counter and say "I'll have number whatever"

I have unlocked bootloader (without actually rooting the phone) and McDonald's app is the only one refusing to work - i guess their coupons need more "security" than a banking app

I don't have a single one of those apps. I've got _one_ app I install occasionally that doesn't work on my rooted phone (cvs/caremark) and it doesn't work unrooted (or with safetynet fix applied) either--it lets me try to log in, then tells me to use blue shield instead (which works just fine rooted).

Yes. If an app dont run, I do not use it. If I cannot root my phone, I'll stop having one, I'll have a dumb phone.