???
Apple absolutely takes 30% of Enterprise services, depending on how they are paid for, and as they gain more power, they will absolutely lever that power into other sectors.
"Apple is demanding 30% commission from Airbnb and ClassPass. That's because the pair have shifted to selling virtual, online classes during the pandemic. It has threatened to remove Airbnb from the App Store if it doesn't comply." [1]
How risky is it now to create a startup, used by anyone in a situation of 'individual buyers' that involves any kind of service?
Apple is threatening to take 30% of most of the US services economy.
If it 'happens on an iPhone' - they want 30%.
For small companies, it's 15% - but the difference is irrelevant because they are 'price setters' in a monopoly setting, and those prices cause consumer harm.
You cannot currently upgrade Spotify or Netflix using an iPhone - that is a fairly radically obvious example of Apple stupidity/consumer harm.
And finally the 15%/30% charge are material because they drive that consumer harm - were there no such charge, you'd be able to a range of other services.
" you didn’t provide a counterfactual, which is exactly my point." - yes, I did. A 30/15% tax causes material harm. The 15% is evidence of price setting. You can download apps for 0% all over the Android universe.
[1] https://www.imore.com/apple-threatens-remove-airbnb-app-stor...