I prefer everything go through Apple b/c I trust Apple more than I trust the average other vendor. This way, I know if I'm dealing with something on my phone,

I prefer everything go through Apple b/c I trust Apple more than I trust the average other vendor. This way, I know if I'm dealing with something on my phone, I have a trusted channel for commerce. I am sophisticated enough that I can probably ascertain what alternative payment schemes are reasonable and which are scams, but Apple's imposed payment monoculture means unsophisticated users are protected as well. A more permissive payment setup would necessarily mean more scammy apps, or maybe just vendors with gross, dark patterns designed to obfuscate cancellation without quite being fraud. No thanks.