We need to throw it back on the user. Apple uses this line of reasoning all the time. They justify their tracker blocking stuff on "the user clicked a button saying they wanted this". So for Apple to justify their fee they need to be able to convince the user that clicking the Apple payment option was worth the 30% fee while allowing other processors on the same playing field.

Users might be ok with some extra fee for conveniences like trust and the ability to easily unsubscribe. Let the user pick and let Apple compete for those sales.