Great, the worst of both worlds.
I can't root my phone because I don't have an image for it (Moto G73) although I'd like to, but for some reason my banking app thinks it's rooted and refuses to work. This happened just after I updated it, it wasn't happening before.
Edit: I'm regretting not getting the Motorola Edge 40 Neo, which also costs £250, but is slightly better in multiple ways, and seems like it has better root support.
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Just FYI, rootkit malware does exist for phones
What is that and how does it relate to my issue?
Spyware that roots your phone.
Well how could it do it if I can't?
A lot of exploits exist to root a phone. Bad apps can abuse those exploits.
You don't actually need an image to root a phone, that's not what rooting is... It's just gaining full administrative privileges over the device
There are exploits out there either kept secret by malicious/proprietary parties, or not practical for consumer desires to get a proper rooted experience.
Pretty much the only method to fix it if you're affected that I can think of is to factory reset your phone with a manufacturer provided image, and even then it's not 100% guaranteed if the bootloader is compromised.