I don't understand how you can say that Apple is more pro-consumer than Microsoft here, considering that Microsoft guarantees that no matter whether the vendor is unwilling, out of business, dead, or otherwise unavailable, you can still run your software. Apple says you need to go find someone to put tens to hundreds of man-hours into updating software from god-knows-when, and if you can't do that, you can just go fuck yourself.
You say yourself, Microsoft is willing to put in the work to ensure that their customers will be able to run their binaries forever. Apple spits in your face and you thank them for it.
This would result in people losing access to a bunch of software just so Apple could shrug and shift the blame elsewhere. Because in the mind of an Apple fan, nothing is ever Apple’s fault.
2. Consumers losing the choice to use apps they bought or downloaded is not pro-consumer (if they want to continue getting OS security patches etc). As you said, it's a conscious choice by Apple to cause customers to lose access to software they'd bought etc, as Microsoft’s approach allows us to still use software from multiple decades ago.
(I’d gotten a piece of paid software from the iOS + iPad app store in 2011. I lost access a few years later during another Apple change.)
3. However, I think you're right that we will see more and more companies cause customers to lose access to existing software, features, etc that customers had bought, but similarly frame it as a good thing, forcing ‘modernization’, etc.
I’m not arguing that software needs to be updated every 2 weeks, as is the trend now. However, 6 years, when there have been major architectural changes and UI changes. At some point the software should be deemed abandoned and it’s time to find something new.
Even a simple update to support the M-series chips means the dev is still around and can release updates, even if there have been no other feature updates in 6 years as its finished software. The occasional sign of life on finished projects is helpful.