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False.

1. Anti-user mechanisms (SafetyNet) annoy users.

2. Even though SafetyNet may not be as annoying as something like UAC, it still has deep reaching effects[1] since now the standards are proprietary and nobody can make an actual good UI alternative to the garbage dog-slow banking app.

The irony is your stale rhetoric only applies the other way: Users who were saved by "risk analysis" and firewall type systems don't know they were saved and don't care.

1. I assume this attestation is checked on the app's server - I assume Google signs their attestation that your device is "good" and this is verifiable by the server of the banking app. Otherwise the in app checks could just be nopped.