The motivation is not "just" that, or for fun, the motivation is that users should be allowed to control their own devices. And have them keep working.
> I guess you also think Android/iOS should just get rid of app permissions because users could just use similar software on their desktops without any permissions gating?
I want it to work... exactly like app permissions. Where if I root it, I can override things.
> Android/iOS are increasingly popular platforms, the security they pioneer far exceeds their desktop predecessors and has improved the average security posture of millions of mobile-focused users
Having that kind of sysadmin lockdown is useful, but if I want to be my own sysadmin I shouldn't be blacklisted by banks.