> And my second question: Who do you think customers will blame when someone uses an alternative payment approach to steal from customers? Google/Apple? The app

> And my second question: Who do you think customers will blame when someone uses an alternative payment approach to steal from customers? Google/Apple? The app provider? Themselves? They would blame the person that ripped them off. If I take my car to a local garage and get defrauded it would be stupid to blame the car manufacturer. > Third question: What's a customers recourse once they are the victims of fraud or simply want a refund for whatever reason? How easy will it be for them to reason about what to do? You call the bank and say "hey, I have a fraudulent charge on my credit card" and they give you your money back. There's zero liability for the user. Plus, I'd way rather ask my bank to do a chargeback against a no name scammer than against Apple, Google, Amazon, or Microsoft. What happens if your kid gets scammed via IAPs, spends $5k, and Apple sides with the developer? What's the result of a chargeback against Apple if you're massively invested in their platform? Online payment processing is a solved problem. I think things like Apple Pay are fantastic as a system we can opt into, but I'd much rather have the current system of credit card processors with all the regulation and consumer protection that comes along with it.