I think the complexity differences make the bigger differentiator. Making updates to a protocol is slow because it requires consensus between its users. There'

I think the complexity differences make the bigger differentiator. Making updates to a protocol is slow because it requires consensus between its users. There's no agile quick iterations on a standard that requires updating 1000s of code bases for each iteration. On the other hand, if apple wants to make a breaking change to it's payments app, it can while only needing to make those changes in one place. Sure, the incentives are misaligned, but the costs are even more misaligned