As no doubt most readers of these forums will know, Android (at least from 4.4 onwards) suffers from the nasty security problem that writing to the external SD card is prohibited, by a setting which is locked against change. This means that if actual work is done on an Android device, and thus needs to be saved, instead of the secure and reliable method of writing it to the SD card (so that if the device fails, any work done since the last backup is not lost but can be recovered simply by swapping the card out to another device), it has to be saved to internal storage (unreliable, for the reason just given) or to a cloud device (unreliable and insecure, even if the device is my own NAS drive back home; due to past experience, I don't trust any other cloud service). To my mind, the fact that this setting even exists is idiocy on a par with Microsoft Windows' "hide extensions for all known file types" (aka "infect me with all possible malware") setting; but at least MS have the decency to make that a user-alterable setting, so sensible users can correct it. The only known way to sort out the Android setting so as to enable useful work to be done is to run SDFix or the like, and SDFix cannot be run unless it has root access.
Unfortunately, none of the Android applications to make the phone act as a duplicate credit/debit card (such as Android Pay or Samsung Pay) will work on a rooted phone; ironically, this is supposed to be for "security" reasons, although, to my mind, as things stand not rooting a device has (as I explained above) worse security implications than rooting it.
So, is there an Android phone available which doesn't have the dumb "prevent writing to SD card" setting, or has it set to "off" by default, or has it as a user-alterable setting, so that it doesn't need to be rooted and can thus run pay applications and be used to do useful work? Preferably a 2015 or earlier model, so that it doesn't have an exorbitant price tag. (I once had a Samsung Galaxy S3 Mini, cost £500 in 2013 when it was a new model but £115 in 2015 when I bought mine. Unfortunately, that one has been stolen.)