Imagine a commuter tapping their phone to board a train, pay for coffee, and check a banking app. On a Linux phone, that day likely falls apart: no native transit app, no bank support, no tap-to-pay. The other side says open source and privacy will win. But if that were true, then every major bank, retailer, and transit agency would already be building Linux apps. They aren't. Android and iOS aren't just operating systems; they're ecosystems with billions of locked-in users and developers. Linux phones can be a great niche, but challenging the duopoly? Not until the apps come first, and they won't.