Day to day macOS driving to me is an absolute joy (granted, I'm still on Sonoma).
I do a lot of work in terminals but I also enjoy other apps, where that uniformity of Cocoa comes into play. And if you go deeper into Mach/Darwin, it's extremely powerful. On the userland .. from the launcher to dtrace and dynamic linker tricks and low level hooks. A lot of cool macOS APIs to experiment with, public or private. AppleScript/Automater, private frameworks like SkyLight (nifty!)
Oh and don't get me started on MLX...
To me, as a developer and as a power user, macOS delivers everything - and more.
I've got my dev environment set up on my new Macbook Pro and everything is working perfectly and I'm very happy.
Welp. I actually tried it. Here's my experience.
I contacted my banks and got in touch with their managers and devs. They do have APIs. I wanted to use those to create my own software with read only access to my account. I didn't even want to transfer money anywhere, just get my transactions for accounting purposes. I was using ledger at the time and was getting tired of manually inputting everything into the journal.
I eventually discovered I would need to incorporate and beg the central bank for permission to touch the financial system.
I went to a meeting a few years ago with a big investment company. They had a team of 30 people trying to figure out how to reliably read financial documents to get people's financial information to serve it back to them. At this startup we spent a ton of time doing similar things, and paying another company to read our user's financial documents so we could get their info.
My point is, even if you incorporated and begged I'm not sure you'd have success.