After thinking more about the argument that some users are naive and only Apple can prevent them installing apps that would steal their data and money I would say that this naive users could also be tricked by webpages and Apple defenders should ask for Apple to also provide a web filter and allow only Apple aproved web sites. 2

I was also reminded how in the past if you got your phone from Vodafone it would be SIM locked and after your contract expired you could not use the phone on other networks, you had to find a phone service to unlock it, I am not sure if it was a national law or EU law that demanded that unlocking should be easy to do when the contract is over(you should ask for it and you should receive a code for free). With Apple you pay for the phone, you own it but you are still locked, we need a similar law that if you own the phone you should be allowed to unlock it.