ok so you acknowledge that what you said earlier might not be correct. because you said you dunno.
it's not some conspiracy, it can be proven if you so wish to do a factory reset, but is not essential. just letting you know things can be fact checked
there can be many important points that co-exist at the same time. it doesn't need to be mutually exclusive.
making sure we protect ourselves is one thing
making sure facts are correct without going into conspiracy theories or falsehood is another.
Someone kindly starts this thread to warn us about a dangerous setting on Android to protect our money. Instead of thanking him, you rudely accuse him of spreading conspiracy theories or falsehood.
Can you point out which part of his post spread conspiracy theories or falsehood? Are you jumping to conclusion yourself? People like you will drive away the good people who contribute to this forum. If you cannot add value to this thread, then at least don't be rude to people who do.
Your part about fact-checking default setting of Android phone is also wrong. Doing factory reset can only verify the default setting of a particular brand/model of Android phone. Every manufacturer may have different default settings. If you want to say this option is the default setting of Android phones, then you have to check all of them. How to check all of them? Of course nobody knows.