So you don't want to actually own your devices?

This line of thinking ignores a whole bunch of legitimate reasons why people knowledgeable enough to root their phone still choose not to, not least of which is that I have to exchange trusting a large corporation with a financial incentive to keep my device secure (regulations, liability) with an Internet anon with incentive to do the opposite (no direct compensation, but access to banking apps on the user’s device).

Even in the case where I’m willing to risk trusting the developer, they have literally zero resources to pen test the software I’ll be running my banking apps on, and in the case of Android roms need to run known vulnerable software (out-of-support source-unavailable binary blobs for proprietary hardware that were never open-sourced).

The same argument was made about TPM’s on PC’s and against Windows 11 for years (that they should just be disabled/sidestepped). It only holds water if you don’t understand the problem the device solves for or have a suitable alternative.