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I used custom roms for many years, but I now use my phone to pay almost everything, and I need my banking apps. magisk hide is unreliable do I won't be rooting my phone again I think
I think people that take that approach to life are partly ruining it for us all. You're selling your privacy for convinience and in the process legitimising the removal of (what I consider) more ethical and reasonable solutions.
No, phone payments can be much more private than a card payment.
Edit: who tf is downvoting this objectively true statement?
Perhaps, but I advocate against using both card and phone payment. Cash is the only truly private pay method, barring facial scanning cameras at the counter. Each to their own.