To add to your counter-point, the consumer also gets rent-seeking companies locking the consumer into a proprietary system to extort you to pay more, more often

To add to your counter-point, the consumer also gets rent-seeking companies locking the consumer into a proprietary system to extort you to pay more, more often(eg:Intuit). That is, if the provider doesn't shut down the platform b/c it isn't profitable enough(eg:Cubby), new investors ruin the product or they go out of business for myriad reasons.