I agree
Nokia committed suicide, they have every chance to adapt to the new era of smart phones, but decided to stick with what "they know"
Nokia had every opportunity to jump on the Android bandwagon but obviously didn't take Android's offerings seriously. It's not just Apple that was part of Nokia's demise, but LG, Samsung, HTC, Huawei and Google (Nexus) to name a few.
The fundamental difference being those other manufacturers adapted to Android in order to give Apple a damned good run for their money, and they have...
Hindsight is wonderful, however it's a little too late for Nokia nowadays..