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Those apps are choosing to depend on Play Services and use SafetyNet attestation to verify that it's a certified release without tampering. The issue is ultimately apps choosing to do that not Google improving SafetyNet attestation to make it less trivial for attackers to bypass.
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I don't use any of those apps, so I'm not sure why you expect me to do something about it. If the users of those apps want them to work without Play Services and on other operating systems, they should push for it. Same goes for apps implementing DRM with attestation features.
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I doubt that banks and financial services are going to stop using attestation. I expect users who want strong anti-cheat for games greatly outnumber those wanting the ability to run them elsewhere. In general, I'd just recommend avoiding those apps and pressuring app developers.
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It's long overdue for Google to make SafetyNet attestation less terrible. They should be fixing it or getting rid of it and directing developers to use AOSP hardware-based attestation directly. Even after this change it's still a far weaker implementation than what AOSP provides.
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