Earlier quoted context omitted.
Customers don't necessarily want a choice. Sometimes choice equates to complexity, if it doesn't work for you, don't use the product. Apple is very well known (and probably very successful) for limiting choice, in product lines and features. IMO Android devices are already open enough - there are alternative app stores and you can sideload apps. Banks not distributing on these channels is not Google's responsibility.
Take it a step further – the power grid. I don't want to have to choose which power grid to use, and we shouldn't bother making duplicate power grids. It makes sense they operate as a monopoly. Those companies are heavily regulated though.
Without that regulation it is a very different beast.
Having the government decide the platform cut would very much change the conversation.