I'm not bullshitting and I'll use myself as an example. I love the fact that any payments on iOS go through Apple Pay. If anything ever happens to my payment or contact info, I know who to blame. If every developer is able to process transactions and collect my personal info, then every developer is a vector for my payment or account information getting out to the world. I don't know what they do with my info, I don't know who they sell my data to. With Apple, I know the answers to all those questions.
See that's the thing. Apple does NOT prevent developers from taking payment anywhere else, it just prevents developers from advertising it on their Apple app. How is that making the iOS any safer?
You can't make the purchase through the app. Therefore there's no way for fraudulent transactions to be processed through the app. Refunds are done by Apple, subscriptions are done via Apple, and no mention of any external payments are made within the app. That makes iOS safer.
