So clearly the market has chosen, and walled gardens where users don't have the freedom to run their own code or apps, their own OSes prevented with locked bootloaders, locked apps (no ability to interfere with apps running on YOUR device, e.g. read their data), ... and so on is now the default policy.
Never again will one app be compatible with others without a business agreement between them ... because that just can't be allowed (dixit $100 million per year+ managers at these huge companies, and I'm sure it's 100% coincidence that this would allow small companies to compete with them. Totally unrelated to this decision). Can't work in the cloud, can't work on android, can't work on IOS. And for that matter, can't work on UWP.
And of course let's not forget that the massive cost, that everyone's data is now 100% accessible to law enforcement and civil courts (and thus to anyone with the money to sue you) is just acceptable damage. After all, that doesn't affect $100 billion plus companies much at all.
Their argument is that it can make web banking unsafe. Yes ... that's true. It can.
What is does 99.999% of the time however is enforce the market dominance of really large players.
But, like people walking into a camp during WWII, nobody holds a moment of silence when they enter the compound with the large barbed wire. Nobody regrets what's happening when they lock the gate. Only years later, when all the bodies are found ... then we stop and think.
This is them locking the gate. Now comes years and years of really really bad applications, and exploiting the lockin.
And yes, the only system not in a locked ecosystem is the PC ecosystem (needless to say, this is the ecosystem that ALL of these large companies use, MS, Google and Apple, for themselves. And now they're locking it for the rest of us)