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Since the proliferation of mobile banking that doesn't even work if you have your phone rooted and the manufactures getting more hostile towards custom ROM developer I practically have stopped modding my phone altogether. I used to be a guy who flashes ROM couple times a day. However now, especially I'm working remotely, I find myself on my phone even less. My phone has become basically only used for texting, banking, and Uber Eats.
There's something interesting about mobile banking. I constantly see stories of issues with it on non-stock / unmodified software. The funny thing is that I have never had any issues personally. Until recently my banking app worked even without Magisk's dentist (and the most picky app was McDonald's). Now I have to add my app to Denylist, but that's the only requirement, no SafetyNet, no Play Integrity, nothing.
I guess some banking apps are less annoying about phone payment, but a lot of them are.