If there had been an App Store in iOS from the beginning I’d buy into that more. Steve Jobs announced that developers would be able to make rich websites in Safari and not apps. Developers immediately started working on making apps on the platform. Installer.app and Cydia came out a year before Apple’s App Store. Apple then came out with their own store and forced the original stores out.Windows is a different platform, just like MacOS is.
I'll choose the safety restrictions afforded by a walled garden over openness every time.
A loose comparison of what these complainers are doing is like demanding that an automobile manufacturer open their proprietary entertainment systems to allow other companies to insert their applications on.
I could care less about any of these complainers. They knew the terms going in and signed a contract that renews annually. There was no protest when they started, but only after they had success.
The consumers are the only ones who will lose if these 3rd party crybabies get their way. We will not see lower prices and will have to negotiate with all of these 3rd parties payment systems when there are incorrect charges.
To use your automobile comparison-
It is like Apple created the car (iPhone), but it lacked a radio (3rd party apps). Someone else (installer.app and Cydia) created a radio that let you tune to any station (apps with no restrictions). Apple then added their own radio to the next revision of the car but it only plays certain stations that they approve (App Store guidelines). However, they didn’t stop there, but also broke the existing radios and continue to break them so that you are forced to only use the one they included in the car.