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My solution

* use bank website for the one bank that requires it, otherwise I got a new bank account without silly fake security.

* thepiratebay has everything Netflix and Disney does and it works anywhere

I always use websites when possible instead of installing yet more spyware disguised as a useful app. My bank, however, has the TOTP built in the app. You can't make a transaction without the phone app connected to the internet.

you can't use magisk to remove tho root and make it work?

I meant to emphasize that they force us to install their app. I can't use the website without installing the app, missing the point of using the website.

Magisk + a few modules and most apps should work. The warranty part, this depends a lot in the country, but at least in Europe I don't think they can deny repairs just because you unlocked the bootloader.

Commercial copyright interests will always seek to maximize their control over the devices that play back copyrighted stuff. Banks at least have more legitimate security concerns since they involve the end user getting screwed rather than the copyright holder.