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I don’t know, your #2 reason doesn’t seem to stand up to reality.
I don’t know where you are, but where I am (UK) you can go on any high street (in most towns there will be an area where most shops are, think strip mall in the US) and you will find at least a couple shops that fix and sell electronics - primarily smartphones, but also vacuum cleaners, TVs, computers, games consoles.
Pretty much all of them are locally-run and are, I assume, profitable in spite of every electronics manufacturer trying to run them out of business.
I say I assume because they wouldn’t be everywhere if they weren’t.
I’ve had phones fixed by them, they offer warranties, reasonable prices, only had an issue once and it was put right after a tiny bit of back and forth.
I think by “we can’t afford it” you mean “capitalism hasn’t yet found a way to centralise the profits and run the small business owners out of business”.
So then… continue using exclusively Apple’s store then?
If you consider Apple to be the gold standard for security, you have just keep going as you are.
I don’t see how giving other people the freedom to choose infringes on your security.