[whalabi]

An analogy:

Imagine you bought a house from HomeCorp but if you want to buy furniture or anything else that goes in your house, food, toilet paper, etc, it has to be from HomeCorp, and they take a huge cut.

Furniture prices will be higher. You can expect everything that goes in your house to cost more.

If you find a cool couch from IKEA, you can't put it in your house. You're not allowed because HomeCorp says so.

There's no reason why IKEA can't just ship you a couch but HomeCorp says they haven't tested it so they don't know if it meets their standards. But they don't even LET YOU make your own decision about what goes in your house.

IKEA could technically build their own house selling operation but that's a massive undertaking and is incredibly expensive.

Not only that but homes built by HomeCorp have all these features that suck unless you use HomeCorp for other things like your car, or your job. Your car just works a little less well if it's not a HomeCorp car - but only if you have a HomeCorp house, otherwise it's totally fine.

If your friends don't have a HomeCorp house it's clunkier to have them over, they have to jump through hoops or get a worse experience. They can't send you videos in high definition. Because HomeCorp wants them to have a house from them.

... Honestly I just convinced myself. They make it so inconvenient to use any other option that you're strongly pressured to use them. Then because you are, they force decisions on you that you might not want, and take a massive cut of money. It's all shady business practices that are incredibly unfair and result in less economic freedom.