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First ever iOS trojan discovered — and it’s stealing Face ID data to break into bank accounts
(www.tomsguide.com)
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Exactly. It would be complicated to pull off something like this via side loading given that Apple’s proposal requires apps to be hosted on an alternative store rather than just being a single app that you could download (like APKs on Android). The paragraph below from their Newsroom post about the changes being made also suggests there will still be some form of app review happening for apps even if they aren’t being hosted on the App Store.
It would be easier for a scammer to use an MDM profile like they did with this scam rather than trying to trick people into side loading.