This convenience is only available to me because there is a large customer base which companies can't access any other way.
They have varying reasons for wanting an iphone, each of which alone would not (I think) form a big enough pool to persuade companies to listen. Or the privacy conscious are tempted to make an exception when (like OP) they badly need something to work right now... or just don't have time to vet every company... and divided we fall.
And I'm happy to pay for this. I probably spent double what I would have paid for an android phone. I have not spent close to that much again on apps. But the difference between $5 and $10 inside the app store is (for me) much smaller than the hurdle of having to go to some other dodgy payment gateway & give them my card.