If Google or Apple collect the payment, you're paying Google or Apple, they take a cut, then a portion goes to Tinder.
Guess which one results in Tinder raising their prices?
You could argue that the app stores aren't a charity and don't operate for free - that they need money to exist. I'd argue that the app store model itself doesn't need to exist and that it's a form of greedy rent-seeking and power thirst. Besides, neither Apple nor Google are hurting from their phone monopoly.
A true first class distribution model would allow you to install directly from the web without messing with settings. Perhaps even running as WASM seamlessly out of the box, never once switching contexts into a storefront.
If we'd done it this way from the beginning we'd have true cross-platform apps written in WASM with full native experiences. Microsoft still might have their phone, too. But things didn't evolve that way, sadly... Apple and Google wanted their control and walled gardens.
Of course, to reach true parity now we'd have to remove the app store to let web distribution catch up in the minds of consumers. But that will never happen unless we can lobby for antitrust breakups of these titans.
Edit: just reread grandparent, the tinder tax doesn't make sense and your example was valid. Apparently I haven't had enough coffee to read properly yet.