Stop with the FUD. I know you have a big imagination but the reality is that I can side load apps on Android, and all the big companies that push me t install their apps are using the official store and I never see random websites showing fake links to banking apps.
Guess what apps I have to side load, the apps the Stores do not allow, like Huawei app for my solar panels(iOS users will have to use the website since no side loading for them).
Please other Android users, can you help to fight this FUD? why did you side load apps? Do you see fake links to fake banking of FB apps? Did some big website pushed you to side load their app instead of an app from the store ?