I'm OOP, I bought this phone outright. Google seems to be installing this on phones by default (the actual pattern based on people's comments seems to be more recent phones, but not all have it).
It's even shipping within de-googled phones, at some base ASOP level (or the hardware, I dunno, not that knowledgeable), as some GrapheneOS use reported having it on their phones too.
I'm pissed because: 1. It's installed when it shouldn't be, 2. Gives inappropriate power to creditors, which hurts the most vulnerable.