a new versions of software to having the same hole being patched time and time again when the company releases a new version. That's the biggest difference between Apple and MS, MS patch over the hole while Apple ix the hole itself. However, that's a separate issue.

Re the post office, it's obeying a law and they're the one carrying the mail, not the company selling you the box to put it in, which in that analogy is what Microsoft are doing.

As to standards, I'll pay more attention when Microsoft starts to pay attention to the International and Industry standards that have existed for years that they ignore, and some of them are what causes some of the security issues.

Security standards for banks should be coming form either the government or the banking industry itself, not from Microsoft saying their software won't work with anything below a certain level any more. Until Microsoft fix up their own long standing security issues they have no right to try and force any other security aspects onto people via changes in their software.