Great, the worst of both worlds.
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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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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.