But it doesn't run my banking app.

Your bank doesn't have a website?

Yes, but it requires the use of a dongle/calculator to access it, whereas the app just requires a personal code.

Go ask your bank an app for Linux.

Yeah, it uses the Linux kernel, but I wouldn't call it a "Linux phone".

I'll grant you that GP was being pedantic but he is also correct. The only part in Debian/RHEL/Arch/whatever that is Linux is the kernel. "Linux" only refers to the kernel. So technically Android is also a distribution of Linux.

I think what you're arguing is that Android isn't GNU/Linux or that Android isn't libre like what we've come to expect from desktop distributions of Linux.