But that's his point: What incentive does Apple (or any other mobile device manufacturer) have to make devices with user-replaceable SIMs?

Now, yes. I'm fine with that. But there were already rumblings years ago about them wanting to take the SIM out of the equation. Obviously that's their goal. As long as the GSMA doesn't allow that (since the GSM standard mandates a SIM card) then this is a fine solution.

Correct me if im wrong:

To emphasize the point: the apple sim is two parts: a Literal Sim card, and separate software.

If you don't want it, take it out.