So for bank stuff to need a seperate phone, other for whatsapp (and other spyware) and then your main thing. And when you go out people ask questions.
I don’t understand my apps are developed with their security dependent of the OS, why can’t they make secure apps


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Because the priority is not making secure apps, the priority is not being responsible for security incidents. The lawyers at the company making shitty apps (e.g.: your bank) want to be able to say “We followed industry best practices, which is whatever Google said to do”.
That being said: root, unlocked bootloader, and custom ROMs can all be big security problems. But if your bank’s app will not work on GrapheneOS, your bank just sucks.