I'm lucky my banking app works (GrapheneOS), as it's now requiring 2FA with the app anytime I login on the browser. Can't use an actually secure form like TOTP. At least they now allow passwords over 8 characters (yes, serious).
(Meme in comments)
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Rooting is always necessary, you can't convince me otherwise, imagine not having root permissions in your Windows, Linux or macOS machine...
Without "rooting" capabilities we wouldn't have custom firmware for tech that is quite locked (like the PSP, Vita, 3DS and whatever OS they use), emulation would not be the same.
Heck, even some iOS versions can be jailbroken yet, I cannot conceive a world where iOS is less locked than Android.
You need to be the one who decides how your hardware is managed.