Is there a very clear explanation of who gets charged & who doesn't?

From what I understand places like Amazon don't get charged for in app purchases, but Audible (owned by Amazon) would & so they don't offer buying books.

I assume finance stock/crypto/etc apps don't get charged.

I've heard that food & drink, taxi services, & house rentals don't get charged.

-- I could be mistaken about many of these above.