So, it’s not just banking, payment apps etc. but all of the apps will eventually go there? Does this mean all of the custom ROMs have to become more device specific like GrapheneOS rather than just the devices using the same peripherals to solve an issue like this? (if it’s solvable by devs)

Apparently older devices that don’t get updates with their stock ROMs will also face problems because of this, even though they can be used as up-to-date with custom ROMs.