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While it's true that they must comply with the STOP message, I'm not finding any proof that it must be intercepted before reaching the business.

https://www.cullenllp.com/blog/fcc-adopts-new-tcpa-opt-out-r...

This is not correct, I've worked with an app that had to handle SMS opt-out and we received the STOP message.

This -- Stop is required action, but its passed to the vendor for management -- non-compliance is punishable by loss of shortcode/carrier acceptance.

Things may have changed since, but used to work sending 8m sms messages before breakfast every day to people who subscribed to news, sports scores, etc.

I don't know if it's true either. I often get confirmations from the same number that I want to stop.

If it is sent as an actual SMS, yes. Not if it goes through Apple messages or whatever.