If you don’t contact them and continue to use the back there is zero motivation for them to change anything.

I hear this pathetic argument over and over again. It is primarily used in politics. “my senator/representative is republican, he won’t listen” maybe he won’t but the others that already agree with you, don’t require convincing, your congressman does though so that’s why you need to have your opinion heard.

Unlike with politician, a bank is much easier to change for an individual. You can send email to them, threatening to change and if they refuse, you follow on it (worst case you go to bank that doesn’t do this). You would be surprised how effective this might be when it is connected in any way to their revenue. In most cases the management might not even be aware of the issue and devs simply enabled it because they were told the app needs to be secure, and checking phone integrity sounds like a secure thing to do.