A 20 year old PC still works. It might be slow, but as long as it's 64-bit, you can run modern software. If it's older and 32-bit you might be struggling but it's at least theoretically possible.
By contrast Apple seem hell-bent on creating this environment in which they control the software environment so completely that as soon as they stop supporting it, that's it, you now have a brick.
I feel like this is the angle that needs to be pushed on harder. The payment processing thing is just one aspect of a wider system which is that they're selling a subscription to a device rather than the device itself because they attempt to control your use of the device end-to-end and will eventually remove your ability to meaningfully use it.