But that has the same cause.

When you buy a Windows PC, the first thing a lot of tech people will do is format it and put on a clean install of Windows without all of the OEM crapware, or in these days install Linux if grandma is just using email and Facebook anyway.

If you try to do that on your Android device, your bank app is broken, most importantly not because of anything the alternate OS is doing wrong, which causes the vast majority of people to not want to do it even if it means suffering the OEM crapware, with no way for the alternative OS to fix it. And that in turn allows the OEMs to get away with locked bootloaders etc., because then they're not losing sales to a competitor that lets you remove the crapware when nobody can do it either way.

For me the bank app was working, but the electric scooter app didn't and that was it for me :( Damn e-scooters, can't live without them.

But I still haven't contacted the support to ask them to verify phones in another way.