I see. I guess it seems fundamental to me that a credit card would have these properties -- even though it's not necessary to actually fulfill the role of a credit card -- which is just to provide credit.
The two seem intertwined, even though they aren't. I just assumed Apple -- if they became a payment processor -- would still provide those protections.
If they didn't, which I see is maybe what the OP was alluding to, why would anyone use the card?
How long until these companies start skipping payment processors like Visa and Mastercard?
Should that come to pass, the Apple card becomes...an Apple card.