The article overlooks security implications from spyware, which is a huge problem not only for financial applications, but personal safety, too [0].

Per FTC, a stalkerware will: geo locate, read call list & record calls, read notifications, texts, & possibly emails, access gallery, camera, & files, and monitor network activity. [1]

You could do all of those with "on-device adb" (in some cases, with just the appropriate permissions), without root access. Stalkerware & financial fraud enabled merely due to the scale & reach of Android (half of humanity uses it!) and lack of basic security literacy warrants such protective measures, as (Thaler & Sunstein would like to remind us) defaults matter.

With conspiracies abound, we must not lose sight of tech safety and related issues, which almost exclusively affect the most vulnerable & the most disadvantaged.

[0] https://www.techsafety.org/spyware-and-stalkerware-phone-sur...

[1] https://consumer.ftc.gov/articles/stalkerware-what-know