Not an annoying nitpick at all. Different perspectives are enlightening. No, I haven’t been impressed by Apple Music curation. But I haven’t been impressed wit

Not an annoying nitpick at all. Different perspectives are enlightening. No, I haven’t been impressed by Apple Music curation. But I haven’t been impressed with Spotify recommendations either. I dare say that the best approach will require equal parts algorithm and curation. As for Apple Card, that probably makes more sense in the USA where having many credit cards under different guises is commonplace. In Australia, store cards are relatively uncommon; I would suspect that a majority of people only have cards issued by their bank of choice.