Grandma doesn't know what a legitimate payment processor looks like, and neither do most people — the app store vetting system is literally the only thing standing between millions of users and complete scam chaos.
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Should app stores be forced to allow third-party payment systems, even if it makes phones less secure?
50% PRO
50% CON
Pro 5
Con 5
This is just big tech companies lobbying to collect your payment data without Apple or Google's oversight — don't dress up a corporate money grab as consumer freedom.
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Look at the actual fraud data from platforms with looser payment ecosystems and tell me with a straight face that this is worth it. Security isn't a feature you toggle off without consequences.
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The entire value proposition of a smartphone is that it's a secure device you can trust with your banking, your kids' info, your whole life — forcing open payment systems chips away at that foundation for what, slightly cheaper app subscriptions?
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My cousin got his credit card info stolen through a sketchy third-party payment link on an Android app and it was a nightmare to fix — no thanks, I'll keep my walled garden.
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Competition in payments would push Apple and Google to actually innovate their own systems instead of just coasting on captive users. Security improves when you have to earn trust, not when it's mandated by the gatekeeper.
My favorite app literally shut down because they couldn't survive the App Store fees — this isn't theoretical harm, real products and real jobs disappear because of this monopoly. A little more risk in the payment layer is worth it.
The 'security' argument is honestly just lobbying dressed up in technical language. Banks and browsers handle payments securely without Apple holding a gun to developers' heads.
I run a small indie app and that 30% cut literally ate my profit margin whole. Forcing third-party payments isn't about security, it's about whether a duopoly gets to tax every digital transaction on earth forever.
Apple and Google have been pocketing 30% of every transaction for years while hiding behind 'security' as an excuse — that's not protection, that's a toll booth. The EU already forced this open and the sky didn't fall.