[lern_too_spel]

That should be up to the bank to decide, and it already is. https://developer.android.com/privacy-and-security/safetynet...

None of my banks have complained to me because I'm running a patched YouTube app.

[rbits]

That doesn't seem to have anything to do with what apps you have installed, just whether you have Play Protect enabled. I have Play Protect enabled, and I can still install apps without having to scan them first.

[lern_too_spel]

See the listHarmfulApps() documentation on that page.