Don't you still need to handle tokens with them? Also that's trivial.

> billing

Yes but you'd be paying for billing anyway.

> reliability

They increase reliability?

> middleware

Which you wouldn't need if you paid directly.

I'm not saying they shouldn't get 5.5%, but that list is mostly non-convincing.

> Apple still charges 30%.

3 of the 30 is for billing, with the rest mostly being gatekeeping with a fake justification on top.