The article overlooks security implications from spyware, which is a huge problem not only for financial applications, but personal safety, too [0].
Per FTC, a stalkerware will: geo locate, read call list & record calls, read notifications, texts, & possibly emails, access gallery, camera, & files, and monitor network activity. [1]
You could do all of those with "on-device adb" (in some cases, with just the appropriate permissions), without root access. Stalkerware & financial fraud enabled merely due to the scale & reach of Android (half of humanity uses it!) and lack of basic security literacy warrants such protective measures, as (Thaler & Sunstein would like to remind us) defaults matter.
With conspiracies abound, we must not lose sight of tech safety and related issues, which almost exclusively affect the most vulnerable & the most disadvantaged.
[0] https://www.techsafety.org/spyware-and-stalkerware-phone-sur...
> Per FTC, a stalkerware will: geo locate, read call list & record calls, read notifications, texts, & possibly emails, access gallery, camera, & files, and monitor network activity.
Like Google Mobile Services on stock Android?
Spyware using ADB could be a thing (assuming someone has full access to your phone, including the password). However, it is impractical, as a reboot, system update, or Wi-Fi change would likely break everything.
It is much easier for spyware to be installed as a device administrator, granted accessibility privileges, and then given every possible Android permission via AppOps as a one-time setup.
At that point, ADB no longer matters. The spyware is already configured and ready to run. Even if on-device ADB were patched, anyone with physical access to the phone would still be able to install and configure their spyware via a USB cable.
As for attacks without physical access, as explained in the article with the 3 scenario, this is neither practical nor realistic. It only affects a very small subset of users (primarily Android developers) under very specific circumstances and during limited time windows.