I specifically buy Apple phones for this reason. I have read the T&C and have agreed that I don't get access to specific things - I don't want to ever think about it. I don't want there to be an option to unlock the bootloader, or change the store. I buy an iPhone for a family member and I'm sure there is no way they get scammed like they used to on Android by installing "the new OS update from their computer but they need this downloader or their photos will get deleted - just go in settings and enable this setting".

I want this lock-in because THAT is what I want. THAT is what I bought and THAT is why I went Apple and not Android.

If someone asks me what phone to get I say iPhone most of the time because I know their needs and that they don't want to deal with headaches. If they need more stuff I'd recommend either G Pixel or Fairphone but they I tell them to do the research.

Definitely, but they seem misinformed about the goals of the product they bought.