[whatisyour]

One solution here is: then we solve the next problem, that is: we enable a payment standard like India does with say UPI and enforce all apps to use that standard, and so all apps should be able to accept any payment method which enforces that standard.

But also, users who really care about end-to-end user experience will automatically prefer standard payment apps. So, then bad apps should automatically get weeded out.

Finally, it is possible I admit, that here, we have "What's good for an Apple user?" vs "What's good for long term goals of the system?". Because it is quite possible that the long-term cost that happens because of the monopolistic practices of Apple only impact poor users negatively, and not rich users. And therefore, the only argument that actually works is, "This is bad for the whole population in general in long term, because of the potential for abuse in future by a company."

In such a case of potential abuse, it is possible that the users would then look the government to help them out, possibly at huge cost to the government. So, it might make financial sense on the part of the government to prevent such a situation from arising in the first place. And then, the real solution to this problem would be to break up Apple the phone hardware company from Apple the iOS company from Apple the payments company.