Here's Apple's big problem: it's not a replacement for so many alternatives because it isn't supported on all platforms. Safari? Not on Windows. Apple Music? This actually has a Windows client. I'm not sure how good it is. But Spotify supports Windows and even Linux. Apple Password Manager? Will this be tied to iCloud? Will I be able to use it on Android? If I no longer have an iPhone will it be a pain to maintain an…
People literally want everything tied to one identity, service, and login. You are almost totally wrong. People do sometimes want to switch to something new when they feel what they've bought into hasn't met their expectations or has fallen behind in innovation. And guess what? Apple in very limited ways actually locks people into things like passwords, files, photos, notes etc. Their entire ecosystem is pretty easy to migrate away from, I've done it several times. Theres an import/export tool for most everything.
After this year you probably can't even say they are locking people into their ecosystem with iMessage.