Pretty much after every system update I get nagged for using iCloud, apple wallet, the defaults redirects you randomly to apple music when you are trying to play your own music, etc. Perhaps you have given up to all those demands and you don't see them. Otherwise you can't really miss them. To the point that I am deferring system updates as long as I can.

Apple Wallet is free, and does it use modal dialogue boxes anyway?

iCloud I can’t really argue

haven’t had an Apple Music redirect for years

is that constant modal dialogues for paid services? not really

You think Apple wallet is a charity? They get a cut on every transaction. Processing fees are charged to the merchant.

That’s Apple Pay, not the wallet app. The wallet app just shows a collection of cards supplied by the system and apps.

and by implication using your camera or your torch for free is a charity. phones have features my friend. the speakers on your PC are not a “charity”