There's basically an Android/iOS "duopoly" out there, and it's only getting worse. There are now bank accounts that are unusable without a smart phone app, and guess which platforms are supported...Google Play and Apple App Store. And don't even think about sideloading onto a rooted device, it won't work "for security reasons". Such bank accounts, and services like Apple Pay, are effectively enabling vendor lock-in for very important services.
The number and quality of banks that work without a phone is so much higher than the number of banks that require a phone, it's barely even worth mentioning.
Challenger banks like Revolut, N26, Bunq, ... are all very reliant on smart phone apps. Even if they have web interfaces, you can't log in without authenticating with the app
Tangent: American banks might not be the best example here, given their reliance on ancient tech like signatures, paper checks and magnet strips. But they, too, will move in this direction.
Especially when new Androids come with manufacturers warranty, local repair center and fraction of the cost.
Also iPhones are not localized to the local language at all, so this again provides significant barrier to less well off.
https://www.amazon.com/iPhone-7-Plus-Renewed/s?rh=n%3A169477...
I'm not trying to sour your purchase, but I'm desperately trying to find something to replace my iPhone 7 that is not Android and not a face-scanning iPhone, and I'd rather spend good money on something like the PinePhone or a Jolla (if they would sell to me) than wasting money on the Apple treadmill.
https://www.theverge.com/circuitbreaker/2019/10/14/20913321/...
If the prediction is true, that represents a significant advantage in privacy, performance, and years of software support after the sale at that price point.