>Somehow we managed to survive without the majority of society being scammed out of their life savings before Apple came in with the iPhone and locked down iOS

What on earth are you talking about? People have been getting scammed since the days of AOL! What an insane perspective. It's not about total money lost from scams. It's about the amount of impact it has on the individuals who get scammed. What's the problem with Russian roulette after all? Most people playing Russian Roulette are absolutely fine! The point is that the damage done to the few people who get scammed is so high, we ought to care about their lives too. At the end of the day, it might end up being us... it probably won't, but it might.

Yes, monopolistic network effects are a problem, but that can be handled with regulation.