Meh. I didn't reflash my phone. I didn't root it. I didn't do anything to modify its system files whatsoever.

I just installed KDE Connect, and an open source keyboard. Banking apps refuse to run because of those (because my keyboard might see my keystrokes!!!). They don't even need a failed hardware attestation to refuse you service.

So even if you don't try to modify your device, your device might still end up like half a paperweight. I either can't do banking, or I can't use the functionality I want.