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I can't root my phone because I don't have an image for it (Moto G73) although I'd like to, but for some reason my banking app thinks it's rooted and refuses to work. This happened just after I updated it, it wasn't happening before.
Edit: I'm regretting not getting the Motorola Edge 40 Neo, which also costs £250, but is slightly better in multiple ways, and seems like it has better root support.
While I agree with most of what you said, I'm pretty sure the phone gets monthly security updates.
https://en-emea.support.motorola.com/app/software-security-update_link/g_id/6853#gs=eyJndWlkZUlEIjo4MDk0LCJxdWVzdGlvbklEIjoxLCJyZXNwb25zZUlEIjoxLCJndWlkZVNlc3Npb24iOiIteG5CLUF2cSIsInNlc3Npb25JRCI6IldLQk9aQXZxIn0.
Hypatia, which is the only antivirus I could find on F-Droid, didn't return any negative results. It would be helpful to be able to monitor my internet and what connections my phone is making, but all I have is simple net monitor, which can tell me the speed and nothing else. I can see there's background network activity, but no way to tell if it's legitimate (for something like syncthing) or malicious.
Im not running with a different ROM, but I did unlock the bootloader in case I did ever find a way to root my phone/install a custom ROM, I wouldn't lose my data.
That would trigger it probably, they just couldn't be bothered making 2 error messages
This is your problem. Big ROM makers typically have a list of banking apps they work with. Could also happen if you don't have Play Services.
That would probably do it. Now you're kind of out of luck because without root you can't hide that you unlocked your bootloader, so you'd have to either get root or not use the app or restore to stock locked bootloader.