Turning on the Wallet entitlement will take like 10 seconds, I don't know how long it'll take to build the rest of the subscription stuff but probably not a lon

Turning on the Wallet entitlement will take like 10 seconds, I don't know how long it'll take to build the rest of the subscription stuff but probably not a long time. You're ignoring that they are going to have to update all of their backend billing code to support two different billing providers, and design and build a mobile onboarding flow in the app. Then they have to support those things going forward. They obviously knew that Apple Pay subscriptions were an option when they were whiteboarding the product, and they decided to not do them. That says to me that they weighed the options, did some math, and decided that the numbers worked better if they didn't spend time on that, and kept 100% of the money.