The only way anyone collects $95 from Apple's Siri settlement is if about 95% of eligible iPhone owners never file. Apple's part is already locked. It writes one $250 million check, and none of that money comes back whether 1 million people claim or 30 million do. So every claim gets paid from the same fixed pot, and you're splitting it with roughly 36 million other buyers. Court filings put the class at about 37 million iPhones, meaning any iPhone 15 Pro or iPhone 16 model bought in the US…