You're right, but the discussion thread is about Apple requiring mandatory IAP (not just Apple Pay) before it will approve an app that sells fitness services, and then the discussion went into payment for telemedicine service - which presumably also require IAP and its 30% fee if Apple is consistent.
If it is for non digital goods, you can use Apple Pay (standard credit card rates) instead of IAP. Uber uses Apple Pay. Somehow TurboTax uses Apple Pay.
It is completely slimy that Apple forces apps that support personal trainers who take clients online 30% when if it was for a physical training session they wouldn’t have to because they were forced by Covid.
