What might help better is having permissions that you can set separate settings that can be read for different apps (including the possibility to return errors instead of the actual values), even if they can be read by default you can also change them per apps. (This has other benefits as well, including possibility of some settings not working properly due to a bug, you can then work around it.)

Banks do these things to check security boxes, not to prevent scams.

In this case, they don't want users to reverse-engineer their app or look at logs that might inadvertently leak information about how to reverse-engineer their app. It is pointless, I know, but some security consultant has created a checkbox which must be checked at all costs.

What do scams have to do with having developer options enabled?

This isn't a rhetorical question. There's no big red warning on the developer options screen saying it's dangerous. I haven't heard about real-world attacks leveraging developer settings. I suppose granting USB debug to an infected PC is dangerous, but if you're in that situation, you're already pwned.

Is there a real vulnerability nobody talks about?

That is unrelated to apps installed outside of the playstore (which by the way is full of malware).

It is like mandating that people use rainjackets in the rain to avoid getting cancer.

So put a disclaimer in... Same way tons of other stuff works...

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