This happens with both Android and Apple. I’ve experienced this phenomena with both platforms and I’ve never had their respective voice assistants enabled. They quite literally just do whatever the hell they please. It is quite clear that they’re listening in on everything. And $95M is literally a drop in the bucket to Apple. I guarantee they’ve made more off of this technology than they’re being fined.
Have a Pihole at home. Can’t really take it on the go. Unless the Apple ecosystem has some form of blocker, I just have to deal with it.