"He adds, however, that "Apple is not a bank." "
Well then please stop trying to turn it into your own private piggy bank.
We get it. Your exposure on AAPL is somewhere around $450/share and you're kicking yourself. Suck it up and stay for the long haul like actual investors do. Let Apple spend its reserve on things (*cough* topsy *cough* primesense *cough*) that will put you way past $450 if you'd just have the patience the good lord gave a golden retriever.