“On-device” has to be a half-true at best. I’m having a hard time believing that the NPUs on these new ARM chips are powerful enough for it to be fully on-device. Even more-so with “approved” x86 chips. There has to be some data sharing between the client and server, similar to how Rabbit does their shit.

Comparing the era of Win 7 EoL with the current one isn’t apples to apples. For one, there actually was a slight increase in Linux marketshare. Second, enshittification has entirely taken over (made even worse by AI), and that wasn’t thing until a few years into Windows 10. Will it be The Year Of The Linux Desktop? Absolutely not, but there will be an uptick in Linux usage. The real delusion is saying there won’t be. Who knows how long it’ll last? But we’ve already seen more and more people get Linux curious thanks to Microsoft’s continued blunders and things like the Steam Deck.

(banking app already don’t let you root or otherwise flash your device so I have given up hope in trying with them)

Idk why this myth keeps getting peddled. You can use any banking app on any custom ROM, rooted or unrooted (though I see no point in rooting these days). And even if an banking app blocked you from using their app…the mobile website exists if you really need mobile access to your bank.