Well part that break any banking apps, i can't deny that
But there's fix for that things, i just followed some guy instructions from XDA Forum & all my banking/paying apps work flawlessly
Of course it's not easy work at first tbh, but always remember it's hard but you only do that hard working once
I remembered 10 years ago have same thinking like you, but after internet has became shitty i must do that. At first yes.... everything seems like hard things to do since it's first time for me do something to my smartphone way beyond it's recommend, but after that it's just like walking in the park