I think a better comparison re: cars would be if inspections could only be performed by Ford or GM and the inspection rules were made by them instead of the government. They could say: we’re no longer passing inspections on models older than 5 years old, or if you used non-approved oil or filters the toll roads are gonna block you. They could put ads on your infotainment system and say you won’t get an inspection pass if you block them or replace the infotainment system with something else. Did you bypass the subscription lock on your heated seat? No more highway driving for you.
I’ve been happy with the tp link TV-IP324PI, it’s a Poe bullet cam with a simple web interface (I don’t think it requires JS, but at any rate you just need to log in once to set a password, make sure upnp is off, and adjust camera/encoding/fps/text overlay settings to your liking). There’s also the amcrest IP5M-B1186EW-28MM, another similar Poe bullet cam with night vision that works local only. I’ve used both for several years and I think they support onvif but I had no issues using the rtmp url with zoneminder