Really, there are apps that will intercept and exfiltrate your bank one time code sms that are just sitting on the play store? First I'm hearing of this, what's the name of one?

Many of the most popular apps on the Play Store will monitor all activity on your device and send it to a for-profit company.

The pre-installed privileged services will monitory all activity on your device and send it to a for-profit company.

Your post is an outright lie.