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What is the use in keeping it open when no one will ever look at it again after it goes stale? It still exists in the system if you ever wanted to find it again or if someone reports the same issue again. But after a certain time without reconfirming the bug exists, there is no point investigating because you will never know if you just haven't found it yet or if it was fixed already.
There's also going to be mountains of bugs resulting from cosmic rays hitting the computer, defective ram chips, weird modifications of the system the reporter hasn't mentioned.
You could sink an infinite amount of time investigating and find nothing. At some point you have to cut off the time investment when only one person has reported it and no devs have been able to reproduce it.
You can do that, there are custom roms and open source phones. The problem is banks are legally obligated a lot of the time to pay out for fraud and scams. So in response they won't allow you to run their software unless they can verify the compute environment.
For me the answer is separate devices. I have an iphone which is locked down and secure. I have my banking and ID apps on it but I can't mod it however I want. Then I have a steam deck and raspberry pi I have entertainment and whatever I want on. I can customise anything. And if it gets hacked, nothing of importance is exposed.
There is immense pressure to stop online scams which are draining old people of their life savings. The whole flow from the article seems entirely based around letting power users install what they want while being able to break the flow of a scammer guiding a clueless person in to installing malware.
It is promising that Google has avoided just turning off sideloading but still put measures in place to protect people.