Mobile operating systems like Android are way more sandboxed than traditional desktop OS. Even though the situation has improved on desktop, especially on macOS and some GNU/Linux distros, sandboxing is more of an iOS/Android thing.
On Windows, most people are admin users, which is a role with admin privileges. You're not running these by default on macOS or GNU/Linux, and you're not allowed to on your mobile. Both Android and iOS require an exploit to root/jailbreak to get admin privileges.
This doesn't mean that macOS, Linux, Android, and iOS can't get any malware. But by default, a phone OS gives apps very little permissions. Of course, apps can ask for them and trick the user into giving them. Some permissions give higher privileges, and you don't want every app to have those.
So, no, what you want is education, not an app with privileges to verify everything is okay. I don't say antivirus are useless, but you have to realize what it means to offer another app all these privileges. Fortunately, Hypatia has pretty basic permissions, but that means it also makes it less efficient than modern antivirus, as it works more basically.
Simply reboot your phone often and don't install shady stuff. It won't prevent the NSO Group from selling a spyware with 4 0-days exploits to a Nation State to spy on your device, but Hypatia won't either.
GrapheneOS is superior in many regards. CalyxOS is a more de-googled experience than standard LineageOS which it is based on with optionnal microG for better compatibility. LineageOS still have many Google blobs in it's code even though it's cleaner than every Stock Android OS in regards to privacy and third-party bloat.
Bitrefill, CakePay and CoinsBee are plateform where you can sell crypto for gift cards and thus use them to pay online stuff in many places that don't accept crypto. You can also use them physically if needed.
You know GNU Taler isn't a crypto right ? I mean it's not a "blockchain technology" it doesn't have a GNU token or a Taler token. It uses strong cryptography to protect the customer info while being compliant for the business. If you're not okay, this might not fit your needs with that do business cash, XMR and maybe the Lightning Network. But GNU Taler is far better than most payment processor used by business owners privacy wise
Every time I have to use Windows I am amazed how Microsoft is ruinning it. Ads, unconsisitent UI, bad UX forcing you to be part of their Microsoft365 services shit.
A friend of mine had his Desktop sync on a OneDrive account without really knowing why. And sometime the whole shit got desynchronized and it's files and folders disapeard. The fix was to restart his machine while being connected to the internet :D
So we went on the cryptowar to be able to have secure connection for everyone in the digital age bringing safety to citizens and now they want us to still have that security but not for them ? What about misuse ? Cuz there will be have misuse. What about hacker ? Cuz backdoors will be exploited (already are) by bad guys.
If you're on Android I had seen a better UX for synching with the client Keepass2droid than with KeepassXC or KeepassDX.
On iOS maybe try Keepassium.