You already need to submit to iOS or stock Android for a myriad of banking or government apps that use remote attestation to verify that you are running "untampered" software.

Remote attestation is evil.

FWIW this has not been my experience in the US, I've always been able to use websites for these things. I use my phone for almost nothing important since I don't trust it. But yes, I fear we are heading in that direction too.