You deftly evaded the leading attack vector: social engineering. Root access means any app installed could potentially access sensitive banking. People really are sheep and need to be protected from themselves, in information security just like in anywhere else.
You don't get a "accept the risk" button because people don't actually take responsibility, or will click on those things without understanding the risk. Dunning Kruger at play.
Why is this prevalent on Android but not desktop Linux? Most likely a combination of 1) Google made it trivially easy to turn on, and 2) the market share of Android is significantly large enough to make it a problem warranting a solution.
The fact that you know how to circumvent it is inconsequential to the math above. Spoiler: you never were nor ever will be the demographic for these products, in their design, testing, and feature prioritisation.
The "here" part of the question changes the entire meaning of the question, rendering the stated answer completely off topic (cause, you know, "here" is not the only place you can earn money for food).
Me in the comments of any windows fuck up post Englisch
It's from an old game
Why don't banks like root on Android? ( lemmy.world )
Diablo 3 was not fun and Diablo 4 looks worse... ( lemmy.ca )
Desperate to afford food ( lemm.ee )