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>is wallet-garden a play on words having to do with financial schemes and open source?

No it means a ->approximation<- of what Google and Apple is doing -> Snapstore/Appstore

What was being asked is whether you're aware that the correct term is "walled garden" (and saying "wallet-garden" as a play on words), or if "wallet-garden" is a mondegreen[1] for you (also recently referred to as a "bone apple tea" thanks to the popularity of a certain subreddit[2]).

[1] https://en.wikipedia.org/wiki/Mondegreen

[2] https://www.reddit.com/r/BoneAppleTea/

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