Except the credit card is issued by the bank, can be revoked by the bank, is processed through the bank, and is probably linked to a bank account. I'm scared of snakes, I'm going to jump into the pit of vipers!
Along with going around apologizing for other people's actions of decades or centuries ago, a.k.a. self-aggrandizement by convicting dead people in absentia of questionable crimes, with latent implications of lack of self-worth.
This is not a keyboard: It is a program displaying a picture that looks like a keyboard, on a computer that masquerades as being a telephone, all controlled by people and companies you don't know and wouldn't trust if you did.
Why would you use a computer you cannot control? Those gadgets are neither "smart" nor "telephones" they are computers that someone else controls. In other words, Telescreens (c.f., "1984") and anyone who pays money to subsidize such insanity is an enabler of an abusive relationship.
...are neither. It's not the telephone stuff you're complaining about. It's the fact that you bought a computer you cannot control. No-one with a clue about software ought to fall for being hoodwinked into this alleged "smartphone" craze which is part Big Brother, part Advertisers' Wet Dream. Listen to Richard Stallman: thirty years ago he might have sounded like a crackpot, if it weren't for how his predictions keep coming true: your freedoms are being taken one by one, and everybody just thinks how wonderful it is. Perhaps some folks will wake up.
In a world where everyone is practically required to carry a telescreen which tracks them at all times, which spouts approved government "Amber Alerts" and panicky National Security Alarms -- devices which you can be imprisoned for "jailbreaking" -- will Microsoft become the lesser of the evils?