My intent with the analogy wasn't to suggest something Apple would do but rather to put forth a scenario with similar boundaries and that is easily relatable.

My intent with the analogy wasn't to suggest something Apple would do but rather to put forth a scenario with similar boundaries and that is easily relatable. Apple doesn't currently control their cellular baseband or NFC chips. Both chips interface to external systems running standardized protocols on infrastructure outside of Apple's control. Both can be used to access any compatible network. With Apple restricting NFC to Apple Pay, they're basically slapping a surcharge on any competitor's banking product regardless of who it is. You can spin this as Apple fighting back against Big Banks, but you're the one paying the Apple tax not the banks. It also pushes out small credit unions who can't or won't pay the Apple tax.