Fragmentation: If Apple competes well there won't be any because their app store will be the best on merit not at gunpoint.
Safety: Don't sideload or install unsigned apps. Keep your phone up to date. This doesn't change much except possibly give you the option to be unsafe.
Payment processing: We already see integration with Cash app, Google wallet, Apple pay, Stripe, PayPal, etc. This is not an issue.
Gunpoint? This is rich from a bunch of tinkerers and competitors that literally want the people with guns to force Apple to change its platform because competing with them is too hard, and Android sucks so badly as an alternative. Consumers certainly aren’t making these arguments.
Fragmentation: If Apple competes well there won't be any because their app store will be the best on merit not at gunpoint.
Safety: Don't sideload or install unsigned apps. Keep your phone up to date. This doesn't change much except possibly give you the option to be unsafe.
Payment processing: We already see integration with Cash app, Google wallet, Apple pay, Stripe, PayPal, etc. This is not an issue.