The same logic applies to money transfer. A transfer feature that settles only between iPhone users on Apple accounts is structurally different from one that routes to any bank account on any device. The receive side is not a detail: if the recipient needs an iPhone to collect funds, the feature's utility is capped from day one regardless of how clean the sending experience is. The fee structure matters for the same reason. A no-fee transfer competes with one set of use cases. A fee-bearing transfer competes with a much smaller one.