Not sure I agree. When I first saw the 1st gen iPhone I was so impressed with it, I went out and got one a few days later. This is before the App Store. Yes compared to today it might “suck” compared to the latest version, but the first iPhone was super compelling by itself at the time and started selling very well
At one point in time people probably said the same thing about employer provided health insurance, and now it’s expected. Tough to get good talent if other companies are providing better perks
in theory yes, but if you own a home with a lower mortgage rate, are you really gonna lower the price of your house, so that you can then buy another home with a higher rate? you may just stay with your lower rate