FWIW, all fitness trackers record steps this way - they increment when they are being jostled. You will see steps incrementing when you are not actually walking if, say, you're playing desktop bongos while you work or hitting the heavy bag at the gym. Some folks say different trackers are more capable of telling the difference between a fist pump and a step, and opinions vary among enthusiasts which ones are best, but IME none are particularly good. My phone is just about as good as any I've tried.
Edit: also, if you get up to get a drink or take a leak in the middle of the night, obviously these steps will be reflected.
If you're willing to view the number your tracker gives you an an approximation to draw a baseline from they can be useful. If 90% of the time you hit 7000 "steps" on a work day and 15000 "steps" on a weekend day (or vice versa if you work on your feet and chillax on the weekend), then you know what to shoot for to hit a regular day or to exceed a regular day. If you want accuracy above all else, you might look into a shoe clip pedometer, but they aren't going to be perfect either. Aside from that there's GPS, but that tends to eat battery on any device, even a phone.
On the bank issue, it's unlikely to improve IMO - it has been an embarrassingly distant 3rd place to android and apple since its release on the ionic. Fitbit can't even come up with a working payment system for their watch face and app developer ecosystem (imagine the android or apple app stores requiring you to go to some third part website with a credit card and number from your phone/watch/tablet for each app you wanted to buy). It seems extremely unlikely that they'll make much progress with banks until they take money handling more seriously.
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