That's a pretty accurate rundown I guess. You have to remember that not all cards are the same quality and that just makes a huge mess. That's the bottom line: It'd be out of Apple's ability to create a consistent experience so it has to go.
Control freak? Yep
Adds cost? Yep
Worth it? IMO yep, obviously others disagree.
Control freak? Yep
Adds cost? Yep
Worth it? IMO yep, obviously others disagree.