And Apple could build a system where the "other way" is to sell cards in stores. Apple will still get a cut just like how Sony still gets a cut from best buy store sales.
Like I said third time, there is already a solution:
1) Like on EU, they are forced to open up third party App Stores
2) Like MacOS, directly install apps from downloaded source.
There is no need to come up "other way".
End of discussion.