Your salesforce example is so comically bad I don't know whether to laugh or to cry. The immense amount of regulation in the city makes it almost impossible for the now unicorn startups, such as Stripe, to find office space inside SF. Those companies were in the process of moving out of the city (or now, going full remote). That same regulation makes it incredibly difficult to build housing. Your intentions are noble, but your outcome is bizarre. Instead of asking "Why is Apple inventing formats", why not ask "Why didn't College Board test their platform on the largest mobile platform in the US?". HEIC has been around for 3 years and would have been the default on any updated phone as old as the iPhone 5S.