POINT 1:
first off, buying an expensive piece of equipment, with an expensive data plan, then being expected to have to buy apps is rediculous. One is more likely to expect that when making a huge initial/maintenance outlay, that that is that, bar upgrades. However you can't really class buying apps as upgrade, because that is what the device was designed for, running apps, being multi functional.
One does not need a cc/dc to buy the device in the first place, or for data plans/Internet connections, nor indeed does one even need a bank account (although it's difficult to a provider that will allow payments via postal/money or on line payment accounts like PayPal or alertpay. Before anyone points out you need a cc/dc to use PayPal etc., you only need one to initially open up the account, after that you can remove the card and still use the account - charge it up with the likes of eBay sales, spend from there).
Ones Internet connection maybe bundled with their mobile or landline bill, which cabe payed with cash every month (tether the iPad/iDevice to the mobile, wifi to the landline).
What it is like, is buying an expensive wifi router, paying for an expensive Internet connection, then having to pay for each time you want to download/browse different types of data/connections.
I want to use google .........thats free, but we need your cc/dc details
I want to look at https .............£1.99 please
I want to look at a YouTube vid ....£0.99 please
I want to use FTP...............£2.99 please
I want to download a free PDF.....£3.99 please
I want to acces my email.......£1.99 please
Would you consider that reasonable, just to make use of what your Internet connection was designed for? Paying for extra services, or app support is expected,, but do you really buy these devices expecting to sheep out more just for apps/fulfil its intended potential?
POINT 2:
There is no PayPal option the choose funding method, nor is there a 'none' option in the card selection.
POINT 3:
Why shouldn't I be allowed to re-download an app I have already paid for if my cc/dc on file is declined for whatever reason. Having free access to apps already paid for is part of the sales package. By removing this option, it's like selling you a car, then after you paid for it, and they have your money, they then take the wheels off because there is no money in your bank?!?