$Apple (AAPL.US)$ is dead. $PayPal (PYPL.US)$ , $Block (SQ.U...

$Apple (AAPL.US)$ is dead. $PayPal (PYPL.US)$ , $Block (SQ.US)$ and every major bank is getting involved into crypto, so please explain to me how Apple Wallet will compete efficiently against them on 19th century payment rails. The fact that he clearly does not understand this disadvantage should be concerning for any shareholder.