I already have elsewhere in this thread, but here goes: Google's primary business model is contingent on user data collection. Apple has the most profitable business in the world, which is not contingent on user data collection. Yes, you are absolutely correct that Apple is leaving a few billion dollars on the table by not doing this. However, that's only true in a fairly narrow, greedy (in the sense of a 'greedy algorithm') sense.

Taking a more strategic perspective, you would look around and see that your competitors have to collect this data to survive. But you don't. That makes this a weakness for them, which means that it's a differentiating factor for your product that they can never copy. This strategic advantage is worth much more than the few billion in quick cash they might pick up by monetizing their user data.