If Tinder collects the payment, you're paying Tinder.

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.