A couple months ago, I had my (physical) credit card denied at a cash register and - in a hurry - purchased some 'Apple Pay' cash that I had assumed would be usable at this apparently 'Apple Wallet' compatible register. It didn't work and I later discovered this cash was only usable to spend with Apple, like a gift card.

Then disputed the charge, won it, and switched off the iPhone 12 to a referb Pixel 6A w/ GrapheneOS, ublock, firefox, etc. and couldn't be happier. Love that my referb MacBook Air 15" does not require a Apple sign in so happy with that situation for now. Over with their mobile device charade.

Tim C. is laser focused on accounts/logistics/policy - world class at those - but inadequate as a leader for a digital electronics firm long term. And principle actor problem means he ultimately calls $ approval for long term multi billion product shots as a part of his public corp CEO fiduciary duties.