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Comment by m463 | Hacker News Reader

I can't help but think of anti-personas, like folks who value privacy, who dislike installing apps, folks who hate in-app purchases, or folks that dislike subscriptions. Leave these out and you have a money funnel with little or no friction.

Apple pioneered this, and I remember the steve jobs presentation where he talked about all the users, each with a credit card on file (required).

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Thanks for this. One of the reasons I refused to use iPhone is that you HAD to have a credit card on file (have they relaxed this?). Now I can tell people that try to convince me to switch to iphone that steve jobs didn't want me as a user.

I’ve never had a credit card linked I just use a Venmo debit card with nothing on it and not attached to a bank account.

Does the Venmo debit card know your real name?

They have, you can now select "none" when creating an Apple ID for the billing information. I believe the only way previously to get around this issue for a while was to buy a new Apple device because the initial device setup allowed for an Apple ID creation without billing info demands.

I found that I couldn't accept free appstore (on MacOS, not iPhone) offers without a credit card on file a few weeks ago.

This (generally, not the CC thing specifically) is the reason why I stopped dealing with Apple devices.

Apple doesn't want me as a customer. That's not a bad thing, or a thing I feel any sort of resentment about. Apple just has a very specific demographic in mind, and I am not in that group.

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