Agree. I think all the discussions often missed the main problem. Apple App Store holds far too much power, and they alone decides letting or stopping other business. All Banks, Finance, Ecommerce, Retail need to kowtow to Apple or Google for access. And that is not the power and responsibility you want to hold.

People argue you have Website too. But Website does not provide the same level of experience and is at disadvantage compared to Apps.

I have long argued Apple should have given up this power since 2013 / 2014. And Apple should split Games to Game Store, that keeps their 30% cut and would have kept at least 70 - 80% of their current App Store revenue.

For what ever reason last time I said this in 2018 and 2020 I was devoted to oblivion on HN.