This is far, far, far more innovative than the Apple IIe, the Macintosh, the iPod, the iPhone, and the M1 processor combined.
First of all, there was nothing "lazy" about the brand plastering. I am 100% confident that thousands of hours were burned in meetings between GS and Apple executives over precisely the manner and terms of said plastering.
Second, I don't think you fully comprehend what they've done, here. When you transfer money into your Apple(tm) Savings(tm) Account(tm), you have to modify a 64-bit fixed-point integer in TWO separate computers somewhere. Not only that, but you have to do it in the context of this Alien Technology called a "transaction", which requires all kinds of crazy shit like locks, semaphores, mutexes, etc. Then it has to get fsynced to a DISK, man! A disk! Sure, the old Apple may have been cool and all, but if you think Woz knew anything about writing to a disk, I'm not sure what to tell you.
Oh, and then, if that's not hard enough, you have to write a log of the event somewhere, with a timestamp. Do you have ANY IDEA how hard timestamps are? I bet you a thousand Apple engineers wracked their brains for weeks over how to represent it. Julian? Gregorian? Unix Epoch? Picoseconds since the big bang? This is NOT trivial engineering, here.
And the interest calculation? I bet you're thinking just use FMUL? Ha, enjoy your $0.0700000000000000000001 interest payment, dumbass. Apple engineers are smarter, they know that you need to package up the balance data into JSON, obtain an auth token from Tim Cook, sign the data with another token, ship the data off so some insane microservices rube goldberg contraption, and poll the event queue until the answer comes back. Sure, it's STILL going to have an IEEE754 mantissa error in it, but at least it was done The Right Way.
It takes ten thousand engineers with an average IQ of 130 and an annual comp of $300k each to figure out how to modify 64 bits inside a distributed transaction and then flush the results to this disc made of iron and glass spinning at 7200rpm. Give Woz or Hertzfeld the most lubricated office chair on Earth and I guarantee you they can't spin that fast. THAT'S the technology here.
And don't get me started on the app. I bet you anything that prior to modifying ALL 64 bits, you have to allocate half a GB of ram in a janky Swift runtime in order to draw some pixels first. Read some books, man. The old Apple were such mewling pussies they were all like, "OH NO THE UI COMPONENTS ARE EATING 4KB OF RAM, WE HAVE TO OPTIMIZE THIS!". Not anymore. New Apple doesn't care about any of that. Just throw 128MB of random shaders at the GPU and it will work itself out. Hell, why even bother with that? Just launch webkit, every other app on the planet does anyway.
Anyway, I'm just saying read some books and educate yourself on how incredible this new technology is. My grandmother used to hold up the checkout line at Kroger to write checks from her checking account using ANCIENT technology, and it was really suboptimal for everyone involved. Now Apple comes along and BAM! Checkmate, Gertrude. Good luck holding up the line with your SAVINGS account. This is what true innovation looks like.