I have had to call apple quite a number of times for product issues. I have almost always left a happier customer.
I know folks who work in CS at Apple. They put up with a lot of nonsense from end users (they have good work stories for sure). They are paid well (living wage), they get stock options, and all of them LOVE their job. Customer support and loving your job is fuckin rare.
I have done CC processing in the past. Candidly the 5-7 percent you pay to do it yourself has the hidden cost of managing charge backs. As a small developer that's NOT something I want to do for a personal/side/small project.
The apple users love it because they KNOW they can call, cancel and get a refund... (and when they dont it's probably because they have been abusing the system, but I digress).
SO here is a company that makes a high quality product, charges obscene margins based on brand, doesn't fuck over it staff (apple employee you pee in a bottle lately, you making good money?), has rabidly loyal customers, and seems intent on not turning them into a product or handing their shit over to the government...
I'm not sure from where I sit, where I have a right to complain about the 30 percent transaction tax.