Jason Snell at Macworld has this interesting article.
And it is also right that they are going too far against non-notarized apps on the Mac! Even worse are permissions in so apps that you must re-up every month!
And yes I can see some shields around NFC on the phone, but yes you need to be able to bypass Apple if you want to, and just install what you want.
Apple though doesn’t want to give up its cut, so this won’t happen unless they are forced and I don’t see them being forced in the US.
They don’t see the iPhones as ours but as theirs and all the software and only regulation could help stop this.