Life before app stores was a free market. And there was choice between app stores, and not.
Not so much anymore.
Convenience of an app store did bring an audience.
I can currently only jailbreak an iPhone due to mistakes made by Apple. It's conceivable that it won't be possible at some future point - though I'm not sure how this is relevant towards your earlier point?
> But even with a jailbreak, I’m not sure there apps, as opposed to tweaks that you could put on the iPhone.
There have been very limited workarounds on iPhones to enable sideloading, e.g. AltStore. These repositories are exactly the kind of apps you're looking for. But again, not sure how this is relevant towards your earlier point?
Apple has no control over your bank account and you have no control over Apple. You are both free to engage with each other or not.
Smartphones or digital literacy increasingly are not optional when it comes to accessing services in society including government.
Apple will have a bank account one day.
If X becomes the super app it’s aiming to be, it will be interesting to see how that plays out in North America.