Whilst I feel there may be more vectors, there’s less information shared in a single place.Both completely missing the concept of having your information in less places is more secure. Do I want to trust Apple or do I want to trust Apple, Amazon, Epic, Microsoft, Joe blow A, Joe blow B, Joe blow C.
If the whole thing is about these poor companies can't pay Apple their cut do you really think they are going to spend a ton of money standing up their own system? Or are they going to outsource to the lowest bidder that still can skid past a PCI audit?
Please continue to fight to pay for risk.
I honestly think it isn't about the 30% in the first place. It's that fact that they can't track you. They don't just want you to pay exactly what you are paying today they want you to pay and also give them all the personal information Apple anonymizes. They want you to have to deal with them directly for refunds and cancellations. They want you to "trust" them.
The best part is people will still blame Apple/iPhones when it hits the fan.
The problem with having all of the information in the same place is obvious.