Even on really weakly policed platforms like windows, people still tend to leave virus scanners enabled; and on android similarly most people don't choose to expose themselves to unnecessary risk by sidestepping its store - at least as far as I know. Users regularly do really stupid things, so some level of external control is perhaps not unreasonable, but how much, and for what? And should Apple even get to be involved in that decision?
Therefore, that argument really has no bearing on this discussion.
Whether Apple should try harder to stand up to these repressive governments is a good discussion to have, but it’s not the one we’re having right now,
Nothing even remotely similar is possible on non-jailbroken iPhone.
"Freedom from" is a quite liberating concept.
I'm almost positive many people would gladly pay extra - certainly temporarily - to be sure no untrustworthy third party gets direct access to their money. The question is merely whether apple gets to force that when both end user and app developer would prefer otherwise, and if there are any conditions on such requirements by Apple.
What is - on my opinion - problematic is that apple prohibits alternative payment options. Eg I’d be happy to see (8€ per month with apple [pay now], 7€ per month direct [register on our website], but even that’s prohibited. That is Apple using its position as one of the 2 major phone offerings to prevent competition in a way that I consider monopolistic.