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When are they going to fine Apple? I don't get a choice on iOS...

The definition of a monopoly according to the US government, is a 60% market share.

As Apple doesn't have a 60% market share on smartphones, they are allowed to do what they want.

What does the US government have to do with EU law?

I think it's 40% of the market for EU laws. At least it's 40% when they start investigating you.