The real lesson here is to not have unsupported devices in your possession. This malware uses 5 exploits which were from 2021.
> Probably some immutable Linux distro would be better. Are there guides out there how to do that for non-experts?
Android is an immutable system, but it doesn't help when people won't upgrade to a supported device. A "linux distribution" isn't going to help when there are proprietary firmware components that aren't updated.
> Without being opposition in some of that state, most of us handle money in their insecure devices. Can we be sure that "ordinary" criminals don't have enough access for their purposes?
Easiest way is to minimize having unsupported devices. The Pixels have a 5 Y support period that includes the underlying firmware.
This article is misleading, they're not "zero days" when they were discovered 2 years ago.