But how and why is Apple to be blamed for that?
> The victim in this case are the consumers, not banks.
The culprits are the banks, who aren't offering their customers adequate service. The culprit certainly isn't Apple. They aren't a bank.
> Overall the smartphone OS market is a not very competitive oligopoly
Some of the biggest companies in the world are competing against each other on smart phones. And customers have a great variety of devices to choose from. Smart phones is a prime example on where the free market worked: Fierce competition between several very large companies resulted in amazing devices being offered to customers. And since customers are free to choose what they purchase, they will choose the best device they can get at whatever price they deem reasonable and affordable. Companies who cannot offer good enough products fall away from the competition by the nature of the free market: Nokia, Microsoft, BlackBerry, Siemens, and more. All of them were powerful corporations.
Current hacker ideology has mixed the worst parts of capitalism and communism into weird standpoints which make no sense. Am I supposed to feel sorry that developers (they are mostly giant corporations) can't figure out how to make money without depending on Apple? And that therefore the government should intervene to guarantee the profits of these giant corporations?
Enough, already. Apple has no unfair advantage against the competition, except for the incompetence of said competition. Let them have their win, and if they are acting against the interest of their consumers, then they won't have their win for long.