Both true statements. The banking apps that don’t work aren’t because google wallet doesn’t work, but because they use the same trust policies that Wallet requires in order to run (which GrapheneOS cannot meet because its not a “trusted” OS, per Google)
The problem is these AI companies currently exist on the business model of not paying for information, and that generally includes not wanting to pay content curators.
Google is probably the only one in a position to potentially outsource by making everyone solve a “does this hand look normal to you” CAPTCHA
They can try and train AI to detect AI, but that’s also difficult.