Im gonna be honest. I stopped reading here.

There are entire swaths of the world, billions of people, where phones are basically the only gateways to the inter.

I do not recommend using a smartphone for banking. You’re asking for a huge attack surface & it’s reckless. People will do it anyway but to suggest that people should avoid Tor for banking on the basis that you’re assuming they are using a phone is terrible advice based on a poor assumption. Use Tor Browser from a PC for banking. That is the best advice for normies.

again, the article is about "normies" using tor to get it to lose its stigma.. The only way it gets de-stigmatized is for "normies" to use it. The way "normies" access things is vastly different. There are risks to that. And its not just banking. Getting your email account hacked because you used it on a malicious exit node for one reason or another is just as bad, if not worse. Tor exit nodes are wholesale more malicious than your ISP.

I dont know why you are getting hyper fixated on specific use cases that were used as broad examples. Banking isnt the point its the general use of TOR and the risk it brings. Forest for the trees my guy.

Have a good one. We're done here.