Apple is mostly right but i can also see how it can be perceived as greedy/user hostile.
Couldn't they simply make the charger a free opt in option?
Then everyone will just opt for one, regardless of whether they need one or not because, why not?
I think there is some merit in the possibility that Apple might do this only for the iPhone 12 (ie: the updated iPhone 11), which currently still ships with the 5w charger. Apple is probably aware that most customers probably have something way better than the default 5w charger, and that it is largely sitting untouched in the box. Yet I don't see Apple bundling a more costly 20w charger and usb-c to lightning cable inside the entry-level iPhone (which is already priced low to appeal to more budget-conscious customers) for free.
So it's possible that Apple removes the 5w charger, and I am assuming that the cost savings from including one less accessory, plus the cheaper freight and storage costs (because removing the charger means the packaging can be slimmer, which in turn means that Apple can pack more of them into a container) goes towards offsetting what may be a more expensive phone to manufacture.
At the same time, Apple offers the option to purchase the 20w charger at a discount, or consumers can shop for an alternative from Anker or some other brand.
Likewise, lightning EarPods have always struck me as an oddity. I understand why they exist, but it's just weird to have a pair of earphones that really only work with your iPhones and little else.
Sounds like a more elegant solution overall. Granted, it's a problem largely of Apple's own making, but it seems they are trying to steer customers towards wireless charging and AirPods, possibly in preparation for the eventual removal of the charging port altogether.