But it's not just an Apple problem. It feels like the vast majority of software, you can open it up and fiddle around for a few minutes and find any number of poorly conceived UX choices not to mention straight up bugs / inconsistencies. I'm not talking "I could make this software better than they did" level stuff, just things that any reasonable person would admit don't make sense.
1) debt/mortgage
2) kids
3) vesting stock
4) all of the above
In the end for all of these services you are exposed to the whims of their dev/management team. The only way around this problem is probably a regulation from the government to force services to offer a consistent unchanging api so that third party clients can be build and fix all of these problems.
although i currently work at faang as a contractor and certainly the level of ability is not what you might think from the outside.