Because as a developer, you often don't get that choice, for example, if your product is an online service. Either you have an iOS app and play by Apple's stupid rules, or you don't, and your iPhone users go to a competitor that does have an iOS app, or at the very least complain quite loudly.
It’s a good start. But then people want push notifications, Sign in with Apple, to pay with card but they have an iPhone etc - so many points Apple makes a lot harder than they should be. Eventually, it’s economically better to just suck it up and make an app.
Do you know why QRCodes are by far the most popular banking system? Because, Apple didn’t like it if apps use NFC for payments that’s not Apple Pay. There was a time BLE beacons had to be iBeacons too etc. it’s really decades of pressure in all kinds of ways.
The darlingest of developer darlings—Linear, the PWA first lightweight website that was and still is blazing fast, caved and launched an iOS app. If they can't be web only you have zero chance.
