Everyone is entitled to their own opinion. I believe all of these are coming for free for now as they try to onboard more users. In the long run if they have more users it does not automatically mean they will have the same cash flow they have now. And no matter what your opinion of Apple is they are a great business that has a lot of cash at hand and if 2020 has taught us anything (from a financial point of view) is that companies with great balance sheets will not always survive but actually prosper. And there are other examples besides Apple.
Again, based on my knowledge of business development, not having a revenue stream that would allow more R&D and faster deployment of features is a mistake. Time will tell if I am correct, but I would be more that happy to be proven wrong and see them manage to deliver everything mentioned here on the forum without asking for more money (via fees or subscriptions) Also most important deliver it in a timely manner. If they do it in 10 years personally I am willing to wait.