That discounts the fact that in-app purchases works phenomenally for many, many companies. You may personally not like it, but the fact that IAP drives billions of dollars a year in revenue probably makes it non-idiotic for companies deciding how to monetize.

No one cares about getting your money. They care about the rate at which new users convert. Some segment of any new group of users will be violently and religiously against IAP. That's fine.

Some segment of users will also be violently and religiously against a credit card form, because they think software should be form. That's also fine. That segment just isn't going to have very much overlap with the segment of people that pay you money for services.