Don't banking, security and payment apps detect the unlocked bootloader and prevent them from working on lineageos? At least that's what happened to me after i flashed lineage on my old tablet.
Because then what's the point of a smartphone if it can't do banking, payment, shopping, ticketing, etc? Use it as a gimped pocket web browser and ebook reader? There's not gonna be any mass market adoption for such "smartphones" until they can run all apps out of the box like vanilla androids and IOS phones.
Your average consumer isn't gonna wanna fuck around with signing keys and bootloader relock. Hell, even this tech savvy HN user doesn't want to do that because he has better things to do with his time. The days from my childhood when I always rooted my Android phone, installed custom ROMs with custom kernels, magisk, titanium backup, cerberus to make the phone "my own" are long behind me.