The ostensible protection that Apple is providing is from subscriptions for which cancelling is difficult. If the subscription happens through the app then it's found in the same location as every other subscription that's made through any other app.
I believe OP's point with their quote ("I fail to see how apple has any responsibility ...") is that with the given examples (Netflix, Spotify) one cannot subscribe using their iOS apps. The user will need to go outside Apple's ecosystem (netflix.com, spotify.com) and subscribe in a way that Apple has no control over.
At any rate, I fail to see how this is not user error given that you are sure this is not an app which had its subscription made outside the App Store. If it was made in the App Store, the user is only required to remember to cancel at all.
I don't mean to speak against most of what you're saying but many of your arguments read as a non sequitur. It's hard to agree or disagree because it's just hard to follow along.
(edit: rephrasing)