Apple

Certainly Apple is saving money from not including the accessories. They're also making money from selling accessories for those who need them. However, there's still a positive environmental impact because not everyone is buying accessories and are either using ones they already have or using alternatives.

Further, Apple can ship time-insensitive accessories via cargo ship which is far more efficient than the way they ship time-sensitive iPhones via air.

Personally, I always hated getting the accessories because I not only already had them, but preferred to use alternatives. It was just wasteful for people like me. For anyone else, they just have to look at it as the iPhone costing what it does plus the cost of the accessories they need to buy and make their decision accordingly as to whether they want to do that or buy an Android or whatever.

I just don't understand the "don't let people buy a la carte, force everyone to buy a bundle of stuff they may not need" mentality.