Perhaps then there should be a subscription API, so Apple could make the nice "see all your subscriptions in one place" UI? Or maybe banks could better offer this as part of online banking for credit cards. Not sure the right place to put this.

Anyhow I do see your point that narrowing user options can lead to better UX - if you actually like all the tradeoffs they make. The problem is if you don't, your SoL. And in this case the trade-off is Apple taking a giant extra cut so... I think it's reasonable that folks don't like that trade-off.