Well, when I bought an HP computer recently, MS didn’t install what I consider to be bloatware, HP did. Computer manufacturers, and phone manufactures, are paid by 3rd parties to allow their software to be pre-installed.
Apple does not do this.
Good for you. Meanwhile, out here in reality, to be bloatware it just has to be something you don’t want that was put there before you even got the machine. MS, HP, Apple, doesn’t matter. Unwanted, destined to be unused, taking up storage space, and maybe even RAM. I don’t care if Apple doesn’t get paid by others, they bloat just as hard as everybody else.