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I'm going to jump to Samsung's defense here as I think your anti-consumer belief is misguided:
Each to their own but these are just my views based on 11 years in the mobile phone retail business.
I respectfully disagree, and I know this is a hot button topic. But isn't the fact that it IS a controversial topic that has trawled for 3+ years on various tech forums not evidence that it's a popular enough feature(s) to warrant consideration?
SD Card: If companies are so afraid of liability, they could simply have an initial warning dialogue about potential hardware failures. Why cripple a portion of your userbase because of the fault of others? I know it's anecdotal, but I have used 9 SD cards across various devices (including my current N20U and Tab S8 Ultra) without ever encountering an issue. I also back up my data as is proper data management. And just as the car company in your example would say to the idiot who filled it up with the wrong gas, they would refer them to the user manual (warning dialogue in this case), and dust their hands of the matter. And let's be honest, this is just a blatant cash grab to force customers to buy the larger storage sizes.
Mag-Stripe: There are still more shops that don't have the standard contactless payment where I live than there are that do. And I'm in Southern CA. Big box stores are not an issue, but the mom and pop shops that I frequent don't have it set up. I'm sure this is an issue that will eventually be solved, but it's just frustrating that the option was taken away from us.
Dilution of Features: Samsung already makes a huge range of phones. From $120 semi-disposable ones to $2K Folds. The consumer is confused enough. From A series, J, S, M, Fold, and Flip, every price is covered. And yet, what's the flagship (mainstream) phone? The S23U? For $1400, you get an extra camera compared to the S23+. You get a larger screen - which used to be the Note's job - plus another camera from the base 23. That $400-600 difference adds up to 1 camera (plus some sensors) and a larger screen and battery. Point being, the reason why I gravitated to the Note series before was because of all the jammed packed features in a single phone. I didn't have to decide if I wanted to feel FOMO for saving $400 and losing an extra camera. What I paid was what I got, and I knew I got the most bang for my buck.
I know this is controversial, but this is the hill I'm dying on. Samsung's reputation was built on "everything but the kitchen sink" when they were competing with LG, HTC, etc. Now? They're a naming convention from Pro and Pro Max away from another lawsuit with Apple. Who, by the way, brought SD cards back onto their flagship laptop series!
Re. the Mag-Stripe. Bare in mind the US is <10% of the market for the Samsung phones. And then you'd need to break down of the Samsung phones sold in North America - how many of those were S-series vs. the others which don't support the mag-stripe. Even if 50-50, that's now <5% of phones which have mag-stripe support in a country that uses it. Then rough guess of 20% of users actually pay by phone? You're now <1%. A small pale blue dot in the vast cosmic arena...
SD cards - there's also the point of user data security. Data stored on an SD card can't be easily guarenteed safe by Knox. Yes, you can encrypt it, but remove that SD card and the card itself can't protect the data from brute forcing encyption keys.
Wasn't Samsung holding ~30% share in the US? I was trying to find more concrete numbers, but Google isn't Google anymore. What I could find says that North America is their #1 revenue producing region, which leads me to believe that the majority of their revenue is coming from their S series. This is conjecture, but absent more public data, it's what logically makes sense to me. And since the US is the major market to not be on universal contactless payment systems, I would assume would benefit it's customers the most.
SD Card - The consumer has about as much control as trusting their data to cloud storages or even at-home NAS or hard drive set ups. They could get robbed, or they could have another daily data breach somewhere. Safety with your SD card contains similar risks. And like you said in your other response to another user, Samsung already mines your data, Knox or not. So why not include an SD card, so that people can save $200 on storage teirs (corporate greed aside)? If the hacker really wants my SD card data anyways, they'll get to indulge in my vast library of audiobooks, podcasts, music, movies, and files that would make absolutely no sense to them, even if they were corporate spies. So congrats to them. Pictures and videos would be painful to let them peruse, but that could be said about any stolen phone or data breach.
You misunderstood. The US is <10% of Samsung phone sales globally (I found retail sales online for their handset sales per country) . And they will know the stats of which of those phones ever used the magstripe feature. An educated guess of <1% of global users activating the mag stripe feature is a feature they can afford to cut, especially if it saves on cost.
As for the SD cards, I've never over the 10+ years of using smartphones have had data lost on an SD card (and I've used some cheap and sketchy SD cards). The one exception is a Samsung SD card that after being retired from the phone, reformatted and sitting in a drawer for a year refused to being recognized on my PC when I checked my old cards to see what's what and who's where.
I'd rather trash my replaceable SD card with writes from the camera, downloads, streaming cache etc than the non-replaceable eMMC memory. It's cheaper and less environmentally damaging to replace a failed 30€ SD card than to replace the whole phone (or the motherboard) because of the failed eMMC.
These days I use high-endurance SD cards that are designed to be used in eg dash cams, action cameras etc under constant writes and should be really safe for storage in a phone. And all my photos/videos are synced to my NAS via Syncthing in realtime, anyway (over Tailscale VPN or Syncthing relays).
The other issues with SD card is security. Your data isn't safely tucked away, controlled by Knox if it's on a SD card which can be removed. And 'letting the user choose' just means that there needs to be configuration and extra options in firmware, which leads to backdoors and workarounds and a higher chance of comprimsed user data. (When they're not just stealing it off your device and selling it anyway...).
There's nothing preventing encryption being done to a SD card so there's no reason the SD card could encrypt files on it so it's only readable through the phone or after putting in the password. Like how Samsung lets you export encrypted a back up of your apps with appdata to a SD card connected through USB C with their Smart Switch app, which is needed now since they don't back up 3rd party apps to the cloud anymore. https://www.xda-developers.com/samsung-cloud-third-party-app-data/
Also, most people want SD card so they can just offload pictures, videos, and music as opposed to running apps off it. The cons don't seem like cons for me.
It's not people are forced to use a SD card so this stuff seems more like devil's advocate.