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Is it equal to a regular android? Will the usual banking apps work on it, for example?
They work in the browser;)
For now
Nowadays with SafetyNet hardware checks it's a dangerous game to rely on that.
With the right Magisk modules I got my banking apps working
The Sparkasse (german bank) app works perfectly fine. I use LineageOS with microG and I'm not logged in with a Google account or anything.
No. Banking won't work and you can't lock bootloader. As far as I know there's no Recovery password so someone could just adb and pull data. If you want to use banking apps you could use magisk to pass safety net but that will make your phone less secure. Personally I have no banking app so I don't give a shit
Banking apps work for me. And you cant pull data over adb without the password. The data is encrypted by default since a few Android versions
It really depends on the banking app.
And you can always use a browser - Hermit enables you to use a web page that looks much like an app.
I think you can configure that some apps can be only accessed by root user while not giving root permissions to a pc usb debugging