You didn't even slightly research the topic of phone malware, browse /r/isthisascam for starters. I don't say the problem is an "epidemic" and it doesn't have to be an epidemic to be addressed.

It's very obviously not irrelevant. Google is not going to let their main phone app product become associated with Grandma losing her savings! That's not going to help the free software folks... it's going to send everyone over to iOS.

I wonder whether scammers will switch to using PWA.