Honestly I wouldn't be that shocked if Apple tried demanding a 30% royalty on bank deposits and bills paid using iPhone apps. They've decided the future of their company depends on being huge assholes about it.
For bill payments though, they'd just insist on taking 30% of your electric bill payment and if the electric company's margins aren't high enough to absorb that then "Haha that sounds like a you problem" - Tim Cook, probably
> Can I opt out of the App Store Fee?
> For U.S. fans, there’s still a way to avoid Apple’s fee. When signing up in the iOS app, they can choose web checkout instead of Apple’s in-app purchase system. Apple’s rules require that any paid content shown in the iOS app is also available to purchase through Apple’s in-app system.
https://support.patreon.com/hc/en-us/articles/28801582599181...
Apple then "maliciously complied", allowing it while demanding a 27% fee on any web-based payments, which was found to be a violation of the injunction.
https://technologylaw.fkks.com/post/102ka4o/apple-violated-u...
In 2022 the total volume was estimated at $6T * .15% = $9B. Real number would be maybe half due to lower fees on debit, but it's hugely profitable for Apple, and carries zero risk.
When I put my credit card into Apples ecosystem they take a 0.15% cut of the transaction and appear to be very happy with the results. When I put my application into the ecosystem they take 30%..
You can then break down why this is, but boy is that an interesting contrast.