His bank locked him out. Two-factor authentication failed because the VMOS Pro sandbox couldn't properly access the real hardware's secure element. He was a ghost to his own identity.
If you haven't already:
While VMOS Pro itself is safe, third-party Android 10 ROMs are not officially signed by VMOS Inc. Here’s how to protect yourself: Rom Android 10 Vmos Pro
Android 10 introduced Dynamic Partitions (super partition). VMos Pro traditionally expects a monolithic system.img . His bank locked him out