Apple’s agreement is that if you trust Apple, their stuff is the best in the business - if Apple is not a weak link, it’s real hard to argue with the design, and the ease of use and UX for the level of security you get is unequal anywhere else. Apple’s side of the bargain is you pay them money, and lots of it.
If you don’t trust Apple, you’re on your own - you can probably recreate all this on a FOSS stack, but you’re gonna have to do it repeatedly for everything, and you’re on the hook for explaining it to everyone you know so they can use it, too. It’s not that you _can’t_ do it yourself, it’s just a whole lot harder than if you accept the bargain and trust Apple.
Whether or not you want to do that is up to you, but I don’t think anyone’s in the dark on what the bargain is.
If you don’t trust Apple, you’re on your own - you can probably recreate all this on a FOSS stack, but you’re gonna have to do it repeatedly for everything, and you’re on the hook for explaining it to everyone you know so they can use it, too. It’s not that you _can’t_ do it yourself, it’s just a whole lot harder than if you accept the bargain and trust Apple.
Whether or not you want to do that is up to you, but I don’t think anyone’s in the dark on what the bargain is.