You’re not wrong - but there’s some ugly edge-cases when a user’s purchase pays for digital goods where Apple’s share may be considered unwarranted or just gree

You’re not wrong - but there’s some ugly edge-cases when a user’s purchase pays for digital goods where Apple’s share may be considered unwarranted or just greedy: Supposing I have a B2B (not B2C) web-application + SaaS for a hypothetical professional studio photographers’s portfolio app. The app is entirely free (gratis) with self-service signup in the app for a free SaaS service tier - the app itself is only used for uploading photos to the SaaS service (I.e. it’s a utility/companion app). Now, supposing that users on the free tier can pay a one-off fee (in the iOS app or on the web) to enable the ability to set a custom colour scheme for their portfolio page (which doesn’t affect the appearance of the iOS app at all) - that doesn’t count as a purchase which enhances the app experience - it doesn’t enable/disable or change anything in the app - should that be an IAP with the 30% tax - or an Apple Pay purchase with only ~3% processing fees? Now, what if instead of selling that digital-only, app-irrelevant good in the app instead users could buy a physical “welcome pack” in the app which consists of a cheap Zazzle tote-bag with the company logo on - and as a bonus to the user enables the same custom-colour-scheme feature as a “thank you” to the user (like how Reddit and GitHub add flair to your account if you’re a paying user). Does (or should) Apple get 30% or 3% of that? If the cost of selling the tote bag is less than Apple’s 30% fee then I’ve found a loophole in IAP vs. AP.