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Here's the thing though.

What (businesses) say is "sucky" behavior I like.

CVS blocked apple pay forever. So did Walmart. They said Apple sucks for wanting control (and providing privacy etc). They launched their competitor CurrentC I think which was of course totally hacked:

https://techcrunch.com/2014/10/29/retailer-backed-apple-pay-...

The reality is that a lot of these startups have almost NO controls over user data relative to inside actor threats. So I'd much rather sign up and have all my details / home address etc on apple's servers. Is this walmart alliance designed with privacy in mind or to exploit my data? I'm serious?

Ny Times is a good example. My subscription let me use their app, but I couldn't cancel it inside the app. Instead its the phone call BS (maybe they've stopped that).

So as a user, I actually kind of want apple to have a ton of market power, because the folks like DOJ / SEC etc are toothless in these areas. The only thing these agencies seem good at is stupid cookie banners (which are pointless).



Apple pay is great!

Apple pay has a tiny fee.

Maybe they should let apps use Apple pay?




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