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1. The percentage cut is a lot more in Apple's case (30% vs 2-3%).

2. (Directly resulting into 1) There is no competition for distributing apps on Apple devices. You cannot sideload or implement your own app store. You cannot use any other payment processor.

I think you're right in that the argument is against the huge, rent-seeking percentage, and not necessarily the concept of taking a percentage. If Apple forced all payments to go through them and added only a few percent on top, I doubt this would be as big of an issue.

Visa / Mastercard don't forbid you to use Amex or cash.