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Eh I actually prefer Apple mediating all my app payments (despite the X% surcharge that ultimately the consumer pays for).

I don’t have to ever enter in my cc info. I can easily cancel subscriptions from a centralized place. Payments UX is user hostile in the wild.

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There's no reason why a different app store couldn't offer the exact same feature; centralized payments for all apps in their store. They could just charge a competitive fee, forcing Apple to compete fairly, lowering prices for all without impacting quality of experience.

no reason in 5 years your bank app wouldn't be able to do this

(no reason they can't do it yet, but they are banks after all)

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