I think you're right about certain apps refusing to run in an emulated environment.
I'm beginning to think we need to consider such apps, and the hardware they run on, as the outsiders. Keep a cheap "normal" Android phone for those apps, and those apps alone. Then keep a "real" second device for everything else. Up to you which one gets the SIM card and provides connectivity for the other (and ordinary phone services).
I'd rather go back to old-fashioned hardware dongles from banks – but hey, lacking that, maybe I'll just think of the first of those two devices as a clunky, overly expensive one of those.
This is the best solution. Actually, if you have money, in my experience, the best is to have an iPhone dedicated to that. Sometimes even on stock Android (Pixel 10 Pro) you get weird incompatibilities. E.g. trying to connect to a DJI drone, paying with Google Wallet, getting a train transit card in Japan… An iPhone supports all daily life use cases with predictability. So my solution right now is to have one iPhone where I keep things clean, and one Android where I do whatever I want. :)
(I do get the odd look when I take out my second phone to do something else in public and questions about it :))
I'm beginning to think we need to consider such apps, and the hardware they run on, as the outsiders. Keep a cheap "normal" Android phone for those apps, and those apps alone. Then keep a "real" second device for everything else. Up to you which one gets the SIM card and provides connectivity for the other (and ordinary phone services).
I'd rather go back to old-fashioned hardware dongles from banks – but hey, lacking that, maybe I'll just think of the first of those two devices as a clunky, overly expensive one of those.