Well as you mention the app platforms are not setting themselves up in a flexible way. They should have all matter of payment models available. The problem is monopolies.

Something i have wanted for a long time is that services/apps with overlapping user bases could have some sort of group deals where you get an overall discount by paying for a package. When i de googled i was looking around at all the paid replacement services and if i did a total replacement it would have been like $150/m due to high cost of individual services. These companies should collab because they all have overlapping user base. I ended up paying for only a couple of the most important because I am a casual user for other stuff. I would have been willing to spend more in total if i could have had low-use access to a diversity of services. Then who knows maybe i could have been upsold on something after a while.

I guess it isnt worth the transaction costs to take less than $10. But that is where platforms have the capacity to be useful.