This isn’t innovation. Nothing has been innovated or invented. It’s just a way for cartels and gangs to get extra layers of obfuscation to avoid detection when they do crimes on phones. You will have no right to complain about freedoms you lose because the pace of wealth being stolen by these gangs and cartels has made them kings in places like Dubai and they will be your kings soon too.
I get the aversion and disgust towards crime (I agree!), but digital crime is WAY beyond the scope of App Store restrictions.
Far & away the largest sources of scam revenue require positive interaction from the victim.
I.e. they have to "do something".
It's incredibly difficult to stop that sort of crime and enormously beyond the purview of this discussion.