If you go to official websites to get official links to apps on app store or Google play, you will not be trapped by fake apps like what the topic you quoted warn. You should never pay your funds on the carefulness or responsibility of Google or Apple to check and 100% prevent fake apps to be listed on their stores. They should do because it is good for their app ecosystem, and their reputation but you in your own side has to be responsible for your fund's safety and security.
That's not always the case. Legit sites can also be compromised to host the malicious files. For apps, any update injected could also be malicious, and not just the client from the Play Store.