> Chrome, Windows and Lenovo don't have the payment system baked in, with all the consumer protections that come with it.

Chrome definitely does, at least to a degree.

But you have the option to not use it, because guess what? You're supposed to own the device.

Chrome doesn't do this, Chrome has a wallet and you're still stuck talking to your credit card company.

It looks like you may have edited your comment, but the issues of Apple's app store payment percentage, the open/closed nature of their appstore, and the ability to sideload apps are 3 separate issues.