I'm still using MPD+ncmpcpp. For remote access, I use Wireguard and stream via HTTP on VLC. It's amazingly fast and lightweight (26MB RAM for 30K+ songs).
MALP also works on Android, might be better with no physical keyboard (now supports streaming also).
Yeah that's unbelievable, I had the same experience! You must never install your bank app, otherwise it will start always requiring it.