Apple's increased security comes at the OS level. The OS prevents apps from accessing my contacts, not Apple's 30% tax.
If you don't want to be overcharged 10x for payments, the only option is fraud and malware (as opposed to processing payments at a market rate, or allowing vetted payment providers, having APIs for external subscriptions integrating with iOS's subscription management, etc.).
Sandboxing and app reviews for malware are great, but Apple bundled them with rejecting apps for competing with Apple ("duplicating" their functionality), mentioning competitors' names, lower prices elsewhere, or showing nipples anywhere (nipples can't hack your iPhone). They've been intentionally blurring the line between what they select as appropriate for their boutique child-friendly store, and what users have right to do with devices they thought they own.