There's always a workaround. There are banks with far less annoying root checking and you can just switch. Many banks allow SMS or a physical authenticator for web banking or 3DS 2FA. There are also many was to bypass root detection. If your main problem is 3DS 2FA for online card payments, get a proxy card.
> There's always a workaround.
And the workaround is always far more work than I want to do, for virtually no upside for me.
"you can just switch" and yet then you have to contact X people and change Y contracts that are related to your prior bank account. It is not that simple.
Plus nothing ensures the bank you switch to won't up their "defenses" in a week.