This is the problem: it was a cat and mouse game always. I managed even strong integrity with keybox stuff and so on. Yes it is possible. But if you really need to do send money or e. g. want to pay with NFC, it gets rather stressful. Yes, I got everything working (Note 10 pro on LOS 23), but never longer than a few month.
I just decided to completely stop paying with NFC. I always carry a few cards with me and Wero is already working in a few spots, which requires just your banking app and a working camera.
I don't even have Google Wallet installed anymore.