Kurt Knutsson has a Fox News article centered on protecting Android cell phones from malware that bypasses Android’s Restricted Setting Feature to steal, among other things, a user’s banking app PIN. It’s well worth reading and taking appropriate action, given that so many users have so many have banking (and other) access apps on their cells.
However.
Knutsson missed, in his article, the larger solution, or perhaps he deliberately elided it given how easy it is to use a cell phone—Android or other—to do things besides make and receive telephone calls or to exchange text messages.