A man named Jim Cramer, who talks about money and companies on TV, asked if Apple is too smart for its own good. He said that Apple sent him a paper showing how much he paid for some services at a very late hour of the night, when most people are asleep. He thinks they did this to make it harder for people to see or care about what they spent. This is important because Apple makes a lot of money from these services and some people are worried that there might be problems with how they charge customers. Read from source...

- The title of the article is misleading and sensationalized. It implies that Apple is being clever in a negative sense, suggesting that they are manipulating or deceiving their customers with their billing practices. This creates a bias against Apple and may influence readers to have a negative perception of the company before reading the rest of the article.
- The main point of the article is based on a single anecdotal experience of Jim Cramer, who received his receipts for service payments at an odd time of the night. This is not enough evidence to generalize about Apple's billing practices and suggest that they are causing inconvenience to their customers or hiding something from them. A more thorough investigation would be needed to verify the claims made in the article, such as interviewing multiple users, analyzing data on billing times, and comparing with other companies' practices.
- The article mentions some potential legal and regulatory issues that Apple's services business may face in 2024, but does not provide any details or sources for these claims. It also implies that Apple's billing practices are related to these issues, without showing a clear causal link. This creates a sense of uncertainty and speculation around the topic, rather than providing factual information that can help readers understand the situation better.
- The article also includes some user complaints about being charged for subscriptions without receiving any bills or having trouble canceling them. However, it does not mention how common these issues are, how Apple is addressing them, or what measures they have in place to prevent such problems from happening. It also does not acknowledge that other companies may face similar complaints from their customers, and that this is a common challenge in the online subscription industry.
- The article ends with a promotional link for Benzinga Tech Trends newsletter, which seems irrelevant and intrusive to the main topic of the article. It also creates a conflict of interest, as it may encourage readers to sign up for the newsletter in order to get more information about Apple and other tech companies, rather than providing reliable and unbiased coverage in the article itself.