On the other hand, it's far less likely that "a family member of yours will want you to make a personalized app for their iPhone and you'll need Apple's permiss

On the other hand, it's far less likely that "a family member of yours will want you to make a personalized app for their iPhone and you'll need Apple's permission" (the problem the App Store creates) than "the general no tech-savvy population will have problems with malware and/or malicious apps they install without knowing what they are doing" (the problem the App Store is supposed to solve)