[gedsiz]

Having $100+ Billion in the bank, they can make some mad interest off of that and fast.

No they can't. That's actually part of the problem.

Apple has a hundred billion dollars in the bank and it doesn't know what to do with it. Getting a couple percent on your cash is a really crappy investment and Apple shareholders aren't buying Apple because they want to own T-Bills. They could just buy T-Bills if that's what they really wanted. The whole point of operating a business and/or investing in a business is to beat that, and in terms of its operations Apple beats that very, very handily. The issue that as Apple's stockpile of cash grows and adds to the company's assets and equity, the company's returns on those assets will tend downwards. There's so much that they just can't reinvest that cash at the same rate of return - this is called reinvestment risk.

Apple is already executing at the top of the industry and it has so much cash left over after funding its operations, research and development and capital expenditures that it's mind boggling. And this isn't only a problem for Apple. Google, Microsoft, Intel, etc. Most major tech companies are just flush with cash.

Apple's cash is, in and of itself, no better than anyone else's. Everyone in the industry is bumping into the problem of more cash than they can reinvest attractively. That's why they commenced a dividend, which I suspect will increase over time and which I believe should be a lot higher right now. It's why Microsoft has a handsome dividend and why it has, in the past, paid shareholders special one-time dividends.

In any case, this says nothing of competition. Competition will compress Apple's margins in the mobile space... Eventually. Carriers don't like the Apple business model and they are actively pushing competing platforms that are more advantageous to them. This will come at Apple's expense and their cash won't help them here.