When I choose not to use the App Store or the Play Store I'm basically locked out of online banking because almost all banks now require an app for 2FA which is not available in those open source marketplaces. That's how powerful the duopoly of those two big tech companies is. When I have almost no choice but to use these stores the need to be regulated.

If a bank requires something not available by means other than being forced into a duopoly, then its wrong on their side.

besides the fact that precisely for the sake of preventing competition like this, Apple deliberately locks users into their eco-system using network effects; large businesses, especially giga-corps like Apple, are not people. I'm all for protecting the rights and liberties of individual humans, and even small-to-medium sized businesses, but the second a company is anywhere near as large as Apple, a switch should flip in your head and stop you having empathy for them.

no one at Apple is being harmed by having to implement a few extra features in their devices. if anything, they've probably had to spend more of their insane levels of revenue on high-paying jobs for humans who need the money.