[prklmn]

You’re right about the ease of switching. I think buying a wholesale club membership card is more analogous. You could buy a Costco card and a sam’s club card if you wanted, but there’s likely not many people who do. People actually prefer the shopping process at Costco for example, and they pay a yearly fee for it, just as people like the shopping/app purchasing experience on an iPhone, and they paid a substantial amount of money for the phone.