Re: "Apple don't monetise customers"
"It is the degree that is import. [...] As along as Apple keeps the data internal, Cook is correct, Apple is only doing what any competently run business does: know your customers."
I agree that the degree is the material aspect - and Apple is certainly less culpable than FB in this respect. However, it simply isn't true that Apple are blameless as Cook implies - they *don't* keep all the data internal to Apple - see, for example, the API for apps to access a user's contact list (just like Android/FB).
https://developer.apple.com/documentation/contacts