OnePlus ships phones with unlockable bootloaders. They're great!
However, when you unlock your bootloader, you lose access to things that demand devices be trusted by Google. So Netflix no longer even shows up in the Play Store, you can no longer use NFC pay, etc. And ROMs are not what they used to be (though the update process being lighter and quicker is a nice change).
I never used my old xiaomi with anything else than lineage os and I used NFC payments and a bank app all the time with my phone. You're mileage may vary I guess...
Android SafetyNet[1] is supposed to exist to give developers protection against users/"threats".
A very popular Android modification tool Magisk has been waging a long running battle against Android to try & get by SafetyNet & other validations. However the increasing securitization at a hardware level is leaving less & less possibility[2][3] for users to access their devices as they would like.
I can't remember what movie it is, but I keep thinking about some movie with a person trying not to get kidnapped, and the victim being told early on: "if anyone says 'you're safe and secure' don't trust that person", which, sure enough, latter gives way to the believed-good but actually-bad guys driving off with her saying this & her appropriately freaking out. We are secure all right, secure against ourselves. What we are doing- creating ever more perfect anti-user enclaves- is vile. The security world has such a ferociously ruthelessly absolutist view on security, is so ready to declare threads & build bigger moats & walls, but users & freedom keep getting screwed. Such woe.
However, when you unlock your bootloader, you lose access to things that demand devices be trusted by Google. So Netflix no longer even shows up in the Play Store, you can no longer use NFC pay, etc. And ROMs are not what they used to be (though the update process being lighter and quicker is a nice change).
It's too bad, but I get why it is the way it is.