You periodically borrow $10M from the brokerage using the stock as collateral. They charge 0.25% (i.e., a few percent below inflation) and no minimum payments with the understanding that you will not move your assets.
Do they? I wouldn’t be surprised if their margin was 0.25% but they‘d still be charging it on top of the benchmark rate (~4.8% now) otherwise they’d be losing a lot of money overtime
It is painfully obvious, but Apple's singular goal is to make money (profit for shareholders) and THAT IS A GOOD THING. They'll cut corners, test the boundaries in pursuit of that, and sometimes cross over it.
Suing them is the right way to fix those behaviors.