Modern consoles are pretty great about backwards compatibility. There’s room to improve for sure, but an Xbox Series X/S can play all Xbox One/Series games, plus hundreds of 360 and original Xbox games. PS5 is a bit worse with only PS4 backwards compat. The Switch is in the roughest shape, because PowerPC emulator or hardware compatibility wasn’t practical with the design or hardware of the original Switch.
They still have the benefit of being a fixed hardware platform with guaranteed compatibility for the games built for them.
Apple discontinued its own Apple Pay Later service in favor of just integrating third-party payment services, like Affirm: https://9to5mac.com/2024/06/17/apple-pay-later-united-states-ending/