"Monopoly abuse"? Apple Pay was a huge leap forward in preventing credit card info theft, to the point that I only buy gas at stations that use Apple Pay to avoid having my bank account emptied by someone running a pump skimmer.

Uhh, do you mean contactless payments? That wasn't Apple. Apple wasn't even the first to offer it on phones. Android beat them by 3 years.

...Apple didn't invent the credit card proxy. Their biggest "innovation" was locking it into their walled garden.