That's true, though conventional usage has limited them to mostly stuff that would've happened outside iOS anyway. People tend to use things like the JPMorgan C

That's true, though conventional usage has limited them to mostly stuff that would've happened outside iOS anyway. People tend to use things like the JPMorgan Chase app to check if their paycheck was deposited, or to scan a check, not to make in-app purchases that circumvent Apple's micropayments system (this is probably technically possible, but the flow is so bad that conversion would be very poor).