The metaverse point is sort of relevant, though. Epic has been trying to pin Apple down on their definition of a game. Apple says Roblox is permissible on the App Store, even though it's a user-generated content hub much like Fortnite.
The defense from apple was apparently that roblox and Minecraft to do not in fact constitute games, whereas fortunate does, so the rules are different.
So it's not really entering a credit card number per se; it's more like giving someone else your credit card number so they can give you another number that you type into a different portal to make the digital goods "appear" on the iOS app.
Why are they making children jump through all these hoops just to enjoy an online video game https://en.help.roblox.com/hc/en-us/articles/115005566223