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My bank sends an SMS for OTP.

I know it isn't very secure. But certainly better than having a seed locally stored.

I'd rather a seed on a device I own rather than being able to be smished.

I wouldn't call an Android device "a device you own".

Why don't I own it, explain.

If I can't see the seed and I have no way of exporting it. What do I have?

If I can't see the person in the telco being paid off to have my IMEI reattached arbitrarily, what do I have? A person who can MITM the SMS codes.