You're muddying the issue here on purpose. Mortgages are irrelevant to the analogy. The logistics network is irrelevant. If you buy a TV, there is a big logistics network in making and building them too -- so what?

> unless you can tell me how to install it right now on my device?

This is the dictionary definition of begging the question. You can't install apps on the iPhone because you can't install apps on the iPhone -- that's not an argument.

Software distribution and installation, historically, not required an "app store". That's a relatively new invention.