You still don’t get it. If you look at the vast majority of money made in the App Store - 90% of it is casino style games with in app purchases. The app stores are used by those developers because they have direct access to the users wallets. No accepting credit cards outside of the App Store is not the answer.
There are plenty of ways to fund App Store purchases that don’t involve credit cards and parents aren’t going to give their kids their credit card numbers.
The other big revenue source from mobile - doesn’t involve money going through the app stores at all. They are services surfaced through apps where users already don’t pay through the App Store - like Netflix, Spotify, Microsoft office and all of the B2B apps.
Neither Apple nor Google care about the little Indy app developer.
You keep talking about “unjust “ fees. I’m talking about developers of casino style games that make almost all of the money in the App Store - this came out in the Epic trial.
It’s not about the little guy - no one cares about the little guy - including Apple.