Very weird 'article'. Apple has to provide the ability for app developers to lock their applications away from certain regions and countries where it may not be legal to provide the app or service. Whether the insurance company is using that functionality properly is not up to Apple.

• The insurance company decided their information can only be accessed via an app, not Apple.

• The insurance company decided their app should be region locked to UAE, not Apple.

It seems like HN bait to turn this into an opportunity for an anti-Apple rant. Anyone who from the US travels abroad frequently will discover quickly that their banking apps are region locked, via the network, and you often have to use a VPN that looks like you are back home in the US to be able to access their apps or services. Apple has nothing to do with any of this. It doesn't matter if you're on iPhone or Android, it's network level.

It's fine to be against this practice, but turning it into something directed to a single company as if it is their responsibility entirely is just... well, at worst, it doesn't seem honest, at best, it seems naive or ignorant.