Earlier quoted context omitted.
This is a very strange analogy. I didn't buy my credit card. I don't own it. The credit card is just a little piece of plastic, totally useless without the line of credit, i.e, the service provided by the credit card company, in stark contrast with my computers, which can be used quite extensively without the App Store. The credit card company is not gatekeeping "access" to me. I can pay for things with cash, a debit…
>This is a very strange analogy. You can be both an Amex and a Visa card Customer. You can also be an iPhone and Android Customer at the same time as well. As well as a web user. Amex charges higher fees, and offer specific services to their customer base.
Yes, which supports my point.
> You can also be an iPhone and Android Customer at the same time as well.
Who does this? Barely anyone. Most people can't afford to buy two smartphones, and even if you could afford two, why in the world would you use two of them simultaneously? That sounds extremely inconvenient, for no apparent benefit. Practically speaking, a smartphone is an exclusive relationship; you pick one at a time.
Yours is such a bizarre hypothetical.
In any case, the crucial difference is that a smartphone is a product of independent value that you can buy, whereas a credit card is not. The piece of plastic is just a container for your credit card number, a means of accessing the service, a line of credit.