It's not just that though is it? It's a slower SoC, less RAM, possibly less storage, lower screen resolution, and I would be spending money to get it after just upgrading my phone a few months ago. So a downgrade in every other category while paying for it. On top of that losing banking apps and breaking the warranty. In what world does that make sense?

It's something I could consider when looking for a new phone, but not right now. The fact you have to buy a new phone just to get a different ROM is absurd. In the PC world you can just install any different OS you pretty much fancy, with relatively few hardware issues in the way (such as Nvidia).