> They are putting a financial incentive behind accurately predicting the future, which makes these apps basically the most accurate predictor of the future.

This is so fallacious. Putting money behind something doesn't make a prediction of a non-knowable more accurate.

Tarot card readings by a psychic must be more accurate predictor than a tarot card reading by an amateur because professional tarot card readers have a financial incentive to be right, so people continue coming back to them for advice. Getting a tarot card reading therefore makes this basically most accurate predictor!!