If you have a back-up phone, I suggest using that phone immediately.
if you do not have a back-up phone, I would suggest not using any 3rd party camera app until the software update is released. if you need to do banking deposits, I recommend gong to an ATM physically.
Once the software update is released, those affected can test to see if either A. the issue is resolved or B. The issue is mitigated but not 100% fixed.
All iPhone 14 models are within their 1-year warranty and those on Apple Care+ can get replacements. If you wish to return, you can do so. [Know that iPhone deliveries are set between Late Oct-Early Nov]
If you are on the iPhone Upgrade Program, I would recommend reaching out to Apple support to see if they can process a replacement while keeping you on the upgrade program.