Right now Apple can be thought of as a good king. They have more often than not chosen consumer centric strategies to consumer exploitative stratagies.
However absolute power corrupts absolutely, and apple is starting to make business first rather than consumer first decisions. App store moving to a more subscription based model was apple dipping it's toe into customer exploitation. As apple skirts the line of ads, it turns icloud backups and your entire photo library into a treasure trove of information to be exploited and profited from.
If apple ever thinks that they are in a position where people would not move to competitors, or there are no competitive competitors it means apple can choose to exploit their lead at the cost of consumers, like every other big tech company has done over time.
Using iCloud is one step further to Apple lock in and one more vote to giving apple power over your digital life.
Steve Jobs was a vision guy, but Tim Apple is a capitalist, next quarters profit kind of guy. Next quarters profit people see a brand, not as something to be protected, but as something to be exploited.
I don't need iCloud, nor GarageBand nor Apple Music, nor...
I pay premium for the hardware, not the software.