Thank you for the reasonable discourse, some here cannot debate without veiled insults.
Now there are indeed solutions that stick to solving your problem as stated. Take for instance PayPal, ApplePay, Square, Skrill, Amazon Pay and some others. You supply your payment info to one … and can use it to pay to any Merchant without providing your info.
My discussion around payments was indeed including the worst case scenario of all devs pulling out of stores and going it alone, similar to what we see in the PC world. Example: Malwarebytes, not on the MacOS store, I need to go to their site, use their payment processor. As I posted, they have been hacked, that was just one example. Most people would never need 100 different payment processors for apps but it is the worst case, 10 different stores is far more reasonable a number but I still like 1 store far more. Why do you think people shop at Amazon, one stop, one pay!
Other payment protection layers are indeed availalbe (paypal etc) but they do no good unless the merchant accepts them. In the case of Malwarebytes, they do accept PayPal, but not all merchants accept other processors.
I am against the practice of Merchants / Stores charging for the sale of things that do not sell or distribute. I have the sense that somewhere the in the ecosystem build up a line was crossed from a fair and transparent practice to a fraudulent one. Again, not necessarily in the criminal sense. Not necessarily purposefully … but insisting on it might lead to other conclusions.
Definitely a nuanced topic. I'll try something with this analogy:
As it works today:
Walwart builds a retail location
LG sells them TVs, LG makes their cut
Walwart marks up the TV and lists it for sale
A Consumer purchases the TV, Walmart makes their cut
Or in our digital world it works one of two ways:
1) Apple builds the app store (and all its infrastructure for IAP, Upgrades, Listing, Bandwidth, etc)
Epic Games lists Fortnite on the app store for free
Consumers "purchase" the app by downloading it (no money)
Consumers make IAPs and both Epic and Apple make money (70/30)
2) Apple builds the app store (and all its infrastructure for IAP, Upgrades, Listing, Bandwidth, etc)
Epic Games lists Fortnite on the app store for $69.99 (think console game money)
Consumers purchase the game and both Epic and Apple get paid (70/30)
Consumers make IAPs and both Epic and Apple make money (70/30)
Now if I am understanding your point correctly you feel that Apple does not deserve a cut of IAP, but are ok with them getting a cut of an initial purchase price for an app, correct?
So you would want this world:
1) Apple builds the app store (and all its infrastructure for IAP, Upgrades, Listing, Bandwidth, etc)
Epic Games lists Fortnite on the app store for free
Consumers "purchase" the app by downloading it (no money)
Consumers make IAPs and Epic makes 100%
Apple makes only $99/yr for all the Fortnite "purchases"
2) Apple builds the app store (and all its infrastructure for IAP, Upgrades, Listing, Bandwidth, etc)
Epic Games lists Fortnite on the app store for $69.99 (think console game money)
Consumers purchase the game and both Epic and Apple get paid (70/30)
Consumers make IAPs and Epic makes 100%
My only challenge to you in this is how does Apple recoup the costs of their marketplace when the vast majority of the items for sale in it are free (scanario #1)? How would this work:
Walwart builds a retail location
LG pays Walmart $99/yr to put free TVs on their shelves
Walwart puts the TV on the shelf for free
A consumer takes the TV home and "activates" it online through LG, LG gets all the money
I think it fair to say that Walmart would need to increase their fees in order to be profitable. Are you suggesting that a better alternative would be for Apple to increase the dev fees to the point that the app store is profitable? This might squeeze out indie devs.
Even a digital marketplace has costs, programmers, servers, payment processing, customer service, approval/testing, etc. I like Apple products and want them profitable so in your world where Apple is not entitled to a cut of IAP with free apps how does this happen?