[Silhouette]

For example, if Apple's terms require that merchants take the hit any time a consumer gets buyer's remorse and demands a refund, it's hardly surprising that some merchants aren't willing to accept that liability.

I suggest that in terms of metrics, Apple's App Store vs Google's Play Store isn't really the right comparison to see the chilling effect I'm talking about, because both mobile ecosystems have broadly similar dynamics. A more telling comparison might be something like iOS app developers vs. web developers offering SAAS. How many businesses that run successful SAAS websites charging subscription fees for access also offer an equivalent mobile app where customers can subscribe, accepting Apple's 30% cut and other restrictions?