Instead of being incredulous, assume good faith the other person is speaking with best intent. Try to understand first.

There are no free payment transfer mechanisms. Whatever is free is a loss leader.

If you don’t know anything about payments, start by reading stripe.com’s documentation to understand how complex this is.

Pymnts.com is the industry blog if you want to go deep.

Going back to the App Store Minimum Payment Threshold Table[1], it shows how highly effective Apple became at dealing with money transfers in a large part of the world.

Of course, they don't need to base their threshold on worries about spam/fraud/etc, because they have another hammer for that -> the $99/yr. developer programme.

[1] https://developer.apple.com/help/app-store-connect/reference...

Moving money around is way more expensive than you think it is, even digitally.