My point is that I as no expert in fraud can in about 5-10 minutes find many examples of clear fraud online that nothing is being done about. If anything, ONLY

My point is that I as no expert in fraud can in about 5-10 minutes find many examples of clear fraud online that nothing is being done about. If anything, ONLY buying through the Apple App store would probably result in a safer buying experience for most folks with MORE protections not less. One of the value propositions to consumers is that Apple has enough power to push back against big corps. Ask to Track was a push (originally apple was going to ban totally but in "fairness" let businesses track) to let users decide if they wanted to be tracked. If they said no full features of the app had to remain available. Compare even that to the pointless privacy notices they send in the mail saying you can send a letter to some address to ask them not to track you and sell you data? I worked in an elder care adjacent setting - financial fraud is wild against the elderly. It's getting sophisticated. A nice robot voice calls, your account at XXX has been compromised or accessed from Russia, if this was not you you please enter the 6 digit code we've sent to confirm. That six digit code is the 2FA for your real account, which is then drained.