It seems like both though. The reason it has to do with Apple Card is because it's being marketed as something that rejects the status quo. Their headline lite

It seems like both though. The reason it has to do with Apple Card is because it's being marketed as something that rejects the status quo. Their headline literally says "Created by Apple, not a bank" – and promises more transparency. I do agree that this is probably not exclusive to Apple Card. This does expose larger issues with our financial and credit system. And another really bad thing that I've had an issue with for years, that people hide behind machines. "Oh the system doesn't allow me" or "The algorithm said so" – which is a VERY troubling trend that removes humans from any kind of equation.