>Got an iPhone or Android phone? Then you own a powerful platform tied into your financial life. Own? It's more like you lease it. Say for example such an 'ev

>Got an iPhone or Android phone? Then you own a powerful platform tied into your financial life. Own? It's more like you lease it. Say for example such an 'everything app' were to exist. What would insulate it from API changes by Apple/Google intended to break core functionality? The fact that WeChat is available for iOS/Android is literally an exception to app store rules. It can only exist in a country where the government can coerce favorable conditions for it's existence.