[cwillu]

I have a phone that can be unlocked, and I will lose access to my banking app (among other things I require) if I do so.

If your “partially accurate” objection is that I didn't describe a perfectly universal experience, I will be greatly disappointed.

[DANmode]

Vouching your comment from dead to reply in good faith:

your bank’s app sucks, tell them they suck,

and or use the webapp.

Tens of thousands of financial institution apps work A-OK on GrapheneOS,

that is my objection.

[hedora]

That’s good to know. Is there a list? Maybe a vocal community of computer literate people with money could loudly move to banks that do work (regardless of which phone they have).

[DANmode]

Apps with Google SafetyNet usage, and or Google Pay NFC dependency to start the app, two common failure modes.

[DANmode]

What does “unlocked” mean, here?

Are we talking about root checks? Bootloader unlock?