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For me it's 100% about banking or payment apps that won't run if they detect a custom ROM or root. Otherwise i would consider the effort worth it, if only to free the device from the manufacturer's limited update commitment.
Ironically, I have to root every time I install a ROM just to bypass the detections ๐คฆโโ๏ธ
I do absolutely agree that this sucks. However, most people don't actually need this. Yes, it's very convenient, but I found that pretty much all banking apps, at least for people I have helped support, offer a web client anyways that's just as good. It's only missing things like NFC tap payment.
Of course, don't get me wrong. A lot of solutions don't offer web UIs, and that sucks. But we can't force everyone to be a not shitty developer Sadly.
I also do really miss tap payments with my phone. It's really nice just taking my phone when I go shopping and maybe $20 in cash. Not needing to worry about my car or anything else.