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I never used to have issues with this bar, but when I got my current phone it's using a version of Android that defaults to that newer bar-less gesture based control scheme. I hate that new system so I changed it back to the bar.
But now I have this problem where I frequently get accidental presses on the nav bar while typing. It's a daily occurrence that I will accidentally hit the home button while typing anything, which is annoying as hell. This never used to happen before.
Is it maybe just the particular phone I have, or has anyone else noticed the same issue? It's obnoxious enough that I keep looking into getting a device with physical keyboard.
You can set the keyboard to have padding at the bottom, so that there's more distance between space and the home-button.
If the pre-installed keyboard app doesn't allow this, you can do it with HeliBoard, for example, in the settings under Appearance → Bottom padding scale.
Heliboard is mainly what I use, so I'll give that a try..