Whether or not you iPhone is also doing that is irrelevant. Two surveillance pathways is still inherently worse than one.
How do you audit that ? it's not like they opensource their OS.
Feel different™
https://www.reuters.com/legal/apple-pay-95-million-settle-si...
Also Reuters reports " and disclosed these conversations to third parties such as advertisers." but I don't actually see that in the initial complaint interestingly.