I remember when big sites started having to put big banners in your browser console warning you that if you weren't a dev and someone told you to paste something there, you had been scammed, and not to do it. They had to do that because the average Facebook user could be tricked very easily by promises of free FarmVille items or the opportunity to hack someone else's account, and those are fairly low stakes bait. Now people bank with real money on their phones.
We should be prioritizing securing our systems so that they run only what we want them to run, instead of putting all of that trust in gatekeepers who make money when they let you get scammed.
HN tends to forget that linux is not a target for general malware because nobody gives a single fuck about linux as a real malware target because they're smart, and therefore not the target of most scams. HN has the cute attitude that technology is king and that as long as you inspect it and open source it and care enough and have full control, then that's enough. Often the same people ignoring that AI has made it way easier to fuck stupid people over with no effort at all.
I don't not want unlimited control over the hardware that I buy from vendors like Google but I don't know yet of any better way to keep stupid people from kneecapping themselves other than introducing harder and harder quizzes. If you think it's an advantage that third party vendors like f-droid are absolved of responsibility then you deserve and own the fault when you get hacked and fucked over. Most people don't want that. They have real life to deal with. In real life you can kill people or sue them and it's harder to kill people over the internet.
How many people have successfully sued Google because of malware on the Play Store? Ever?
People can learn about links to payment websites, self-signed apps/updates and unlocked bootloaders, because anything less is restricting computers for idiotic reasons.
Maybe the real solution here is not to. Pay cash when you can (better privacy), else use a credit card. Other types of "banking" such as sending wires is best done on a big screen anyway. The idea that everything can and should be done on a phone is terribly misguided.