I'm not sure it's fair to pin that on Apple. There are a number of navigation apps in the App Store, free and paid, that anyone can download (I use Navigon and it's paid for itself a hundred times over).

It's not as if Apple doesn't permit them, they just choose not to include it for free.

Would you say Google is obligated to add free text messages to Android just because Apple has it (iMessage) and it saves money for people?