My bank locked me out of my account with their latest authenticator app update, I had to install an old version from backup. Which I only could do because my phone is rooted. I'm switching banks this year, not to one where the app won't lock me out (apparently that just isn't a thing, I'd gladly sign some paperwork about liability too, but nope) but one where I can still use a separate, purpose-built authenticator device. Because mine stopped supporting that for no reason.

All of these bullshit security functions in Android and iOS seem to be there to be used by third parties against the device's owner. If Google and Apple actually cared about privacy and security they wouldn't let trash apps like WhatsApp steal your entire contact list.

Or you could just not bank or just live in the woods. Some things are not as simple as it seems.