The "in the app" part is key when referring to movies and books and the like - and its for credits in the app. With Audible, I have a subscription and get cred

The "in the app" part is key when referring to movies and books and the like - and its for credits in the app. With Audible, I have a subscription and get credits and can use those credits in the app... but I can't use real money to buy a book in the Audible app. Similar with Kindle. The tangent to that is that Apple is managing it. When my nephew, as a very young child, bought in app purchases that was able to be refunded through a single point of contact - Apple and they did it (I normally am the only user of my iPhone and thus have rather permissive permissions on device). I am not sure that Outfit7 (makers of Talking Tom) ( https://en.wikipedia.org/wiki/Outfit7 https://en.wikipedia.org/wiki/Outfit7 note the "Acquisition and leadership change" section and consider the difficulties involved with international charge backs) would have been amenable to refunding the purchases if they were the payment processor instead. As it was, it was a notification of credit card activity on another iPhone, looking over at it, and then going through https://support.apple.com/en-us/HT204084 https://support.apple.com/en-us/HT204084 So for me, the question is "is being able to manage my subscriptions through Apple worth it?" And for me, the answer is "yes." My subscriptions to various news sites are managed through Apple so that I can cancel them easily (compare the infernal nightmare of canceling WSJ subscription otherwise - https://darkpatternstipline.org/sightings/difficulty-in-wsj-journal-cancellation/ https://darkpatternstipline.org/sightings/difficulty-in-wsj-... ). For the sites with a subscription, they likely wouldn't have gotten it if I had to purchase it through them instead at all. 70% (now 85%) is much better than 0%. Similarly, the ease and security knowing the Apple is the only one touching my credit card when doing an in app purchase.