Why do you claim Apple dislikes a decentralized tool for establishing identity? No part of Apple's business is even remotely related to what EV certs do, and the closest they come to "identity" in general is the recently-announced "Sign In with Apple", which is personal identity for use with other services, not a public identity or anything used for a company. Apple cares about this purely for user experience, nothing else.

I'm not really sure why you're including Microsoft in here either, but I'm a lot less familiar with Microsoft's various product offerings so maybe there is some reason why they care about the public identity business.

You don't think Apple cares whether you feel safer downloading the Bank of America iOS app from their carefully curated App Store, instead of navigating to bankofamerica.com in mobile Safari?

Correct. Apple doesn't make money off of your interaction with BofA either way. They care that you have the best experience and continue to use their platform, but whether you use bankofamerica.com versus a mobile app, it doesn't matter.

Note here that using the mobile app is in no way any form of lock-in, because the exact same app will exist for Android too, and it's free, so there's no barrier to switching platforms.