> but never once have any of them said to me, “Boy, I sure wish iPhone apps and games could ask me for my credit card number to make purchases

Non-technical people would expect to download the Kindle app and be able to buy books, or download Netflix and buy a subscription, or Subscribe to a Twitch streamer. They don't know why the apps lack these obvious features, but if they did, they'd at least be thinking “Boy, I sure wish iPhone apps and games could ask me for my credit card number to make purchases"