You can't build a business on a hacky work around. And being centralized gives apple an edge in responding.
Some businesses were built on hacks. Airbnb is the prime example where a huge percentage of listings out in the open were illegal, but the adversary there was government so slow to respond. And I think Plaid basically scraped data using user credentials which was obv insecure and against terms of use. But again, banks aren't super agile and the UI isn't exactly a huge value add. Regardless, not a great business model