The fun aspect to this is that some banks have forced customers to use an Android for all their banking ops. So:
① You’re late paying a bill
② Creditor locks your phone
③ You cannot access your bank to make the payment because your phone is locked
Brilliant.
Isn’t this more easily fixed?
grapheneOS and the like might work for the OP and anyone with a mainstream phone, but there are a lot of unsupported cheap obscure phones which are stuck with stock Android.