So note taking apps like OneNote, Apple Notes, Samsung Notes etc. don't use a file format that lets you use the apps interchangably so that they can lock you in, tailor file formats to their needs, keep file size small etc.
Wouldn't it be great though if they did? Imagine if all note taking apps were just a fanciful way of creating standalone HTML or SVG files. Note-taking could then greatly benefit from existing technology.
Does something like this exist? And if not, why not?
So I would say that you are right - vendor lock in.