This is false.
You don't need to give Apple a credit card to download apps. You do need an iTunes account, which can be created without a credit card (I have two with no cards attached).
If you only download free apps, you're good. You can fund the account with PayPal or gift cards if you choose to download paid apps.
Try to refrain from making stuff up in your defense of Google.
Also worth remembering that selling you stuff is not how google makes most of their money. The sell you as a product. The more people they have on their system the more money they make even if they are not buying anything.
I've had an android phone for many years without ever putting in a CC to the play store. I've bought apps though through Fdroid though.