All the guides I've seen are like "check out this budget phone for $350, it has five cameras"

I only need one camera and it just has to be good enough to take pictures of documents while still being readable.

Android 12

Like 16gb storage minimum. 2gb ram minimum.

Most phones seem to be way over those specs knocking up price. A bunch that r more affordable don't go up to Android 12. I assume Android 12 is important so I don't get hacked when I'm trying to do banking on my phone on unsecured public Wi-Fi (which is where I do all my banking :( )