Definitely. It applies to multiple levels as well. The massive adoption of banking cards created the expectation that you use one, which then caused cash to not be universally accepted everywhere anymore. Now it's expected that you use an Android or iOS app for said bank. Next up, your banking app expects you to have specific AR smart glasses to use it properly.
It's also an issue with "e-Government" platforms in some European countries. There's this default expectation that you want to use it, which has in some cases made certain tasks more difficult for those whom prefer using regular paper forms. The next layer is those platforms requiring Android/iOS apps, which could very well mean that being able to use healthcare or filing your taxes indirectly requires either a Google or Apple account, and agreeing to their agreements.
It's also an issue with "e-Government" platforms in some European countries. There's this default expectation that you want to use it, which has in some cases made certain tasks more difficult for those whom prefer using regular paper forms. The next layer is those platforms requiring Android/iOS apps, which could very well mean that being able to use healthcare or filing your taxes indirectly requires either a Google or Apple account, and agreeing to their agreements.