I have worked a few places where customer credit card information was kept in spreadsheets or other open databases. At the scale of an app developer who has trouble affording a $99 developer account spending money on securing customer information is a virtual non starter. Also third party interfaces you may attempt to use are often purchased and repurposed.

There are huge numbers of dark pattern companies who thrive on the ability to thwart subscription cancellation and the Apple method can at least be googled.

I have not seen any platform which has resolved the fake review problem through incentives and many that are far worse.