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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Well apparently rooted phones can pretend to apps they're not rooted. Problem is, my phone isn't actually rooted.
Turn developer options off.
Do it, my local government app at least had the decency to explain it was the developer mode being on and not root.
I use developer options on a regular basis, so that won't be a permanent solution, but I could test to see if it is that.