Follow the money trail.
Apple has introduced a game changer. A phone that makes calls and allows you to add apps to it. For those who rushed to buy it was a $700 dollar purchase. For those who waited it's $199 (just the same as all the other phones out there).
Developers have developed like crazy for the new platform. In fact one made $181,000 in a singe month. In a single month Apple made a lot more than the developer. That's because the deck (literally) is tilted in Apple's favor. Sure the developers get a split of the revenue (70%) but it is NOT enough to build a sustainable business. $181,000 is great for a single developer - but a company it does not make.
Now there are over 100,000 apps available. Power users probably consume 30 at the most and have paid no more than $50 for everything. The rest of us use less than 10 and have probably paid $25 for them. There's just not enough money to go around. Apple and AT&T are draining the bank account dry.
Once you have your first hit on the iPhone and there are a 160 competitors what do you do for an encore?
I know let's switch to another platform and see if our app works there. I doubt it because all the code bases and development languages are different and let's not forget the user interface. Oops - more work, more development, more testing - MORE COSTS.
So Apple iPhone developers are caught in a beautifully gilded Walled Garden. Their code only works there, they can only do what Apple lets them do and ONE NO means failure. That's a huge risk to an investor. Apple doesn't care because like moths to a flame developers are drawn to all that glitters.
Apple and AT&T are making all the money. Of the 100,000 apps less than 10 will do a million in the first year and even less in the second year. It's not a sustainable "ecosystem" because there aren't NET NEW revenue opportunities. For that you have to look to other platforms and that's where none of your code works.
Hence the future of Mobile is going to be Web services. Apple have thought about that but have crippled the browser so it does virtually nothing other than display a page. You can get access to the GPS but performance is a really bad. And if you build a web service that supports the iPhone it doesn't work in a cross platform environment because other browsers don't support HTML5 (still unfinished standard).
With regard to Microsoft - sure they're behind, they were in games too and also operating systems once. If Android could catch Apple in 24 months then Microsoft can catch them in 12. Next year you will see new improved form factors, more powerful processors and better integration. As you start developing - be sure to follow the money trail. There's simply more money in the Windows ecosystem.
As for Android - it doesn't have an ecosystem - all roads lead to one domain. But in one respect Google does get the future of Mobile - it's Web services NOT apps.
Why?
Because mobile apps don't scale in to sustainable business and if you follow the money trail you'd know that.