What's even the point of all the bullshit with Google play protect if in the end I can access my bank from a web browser. That stupidity is protecting no one
Poland also has the most competitive banking system in the entire Western sphere of influence. You can't compare it to the extremely oligarchic banking system in the United States.
Unless you get SMS or some normal TOTP app as 2FA, using the web page usually requires the bank's proprietary app to authorize. So you circle back to the the same issue.