It's a little disconcerting, and I wonder what hope there is for user empowerment in the future? There's just so many layers in the stack, and users have high expectations about what capabilities they want from devices.
I often envision a low-tech alternative, where everything is as simple as required. Where devices are tools, and not distractions. And we can still do everything which is necessary with them.
The walled-garden effect makes it impractical to even design an alternative, because homebrew devices aren't supported by our institutions. The APIs aren't open.
The solution is increasingly to remove devices from life, and incrementally introduce only those that are necessary. But complex and user-hostile devices are becoming the standard for what is required to interact with banks, government, and other important institutions.
Does anyone see a possible out here?