You need to remember that Apple is a US based company, country which is by far the most litigious in the world. They (Apple, or any other powerful company, for that matter) can bring you to homelessness just by dragging you through courts.
A friend bought his house with cash a couple of years ago with stock purchased through their EPP program as a retail employee from 2007-2011.
Once it became evident that this was a clear competitive disadvantage in ML hiring, policies evolved…
In comparison, Apple's reaction to a prolific leaker was fairly mild, and left him far from unemployable (I happen to know what company hired him next), let alone homeless: https://www.macworld.com/article/1018725/workerbee.html