Control over payment flow is already in the right place imo, though I think the charges should be per transaction flat rates and not % based.
App developers are bad actors and should not be trusted to control payment information, refund policies, or subscription management. They will abuse all of them, and they already abuse the limited tools they have for in app payments.
Payment flow needs to be controlled by an entity that is trying to protect the buyer, not the developer
If only Apple would protect us from the thousands of bad actor developers selling physical goods that they give free reign to take our credit card information and abuse it however they please.
App developers are bad actors and should not be trusted to control payment information, refund policies, or subscription management. They will abuse all of them, and they already abuse the limited tools they have for in app payments.
Payment flow needs to be controlled by an entity that is trying to protect the buyer, not the developer