Monitoring surveillance-style software is already commonplace, just not on iOS.
For example Bossware has been common since covid and it's not a stretch to imagine a future where health and other types of insurers use similar software to ensure that you're not partaking in risk. Consumers need more than every developer to act in good faith.
Example data collected by bossware surveillance applications include: keylogging, email monitoring, productivity tracking, screen recording, audio recording, camera recording, presence detectors, social media monitoring, time tracking, web browsing activity, location tracking, file search etc
Such apps would never receive approval from the app store, nor would they receive the necessary permissions to even ask for such invasive access.
This is what laws, citizens rights and unions are for. You should not need to submit to a feudal lord such as apple in order to enjoy protection from such inhuman practices.
Imagine if your appliance manufacturer could dictate that you kept your door open for them.