I like seatbelts but that doesn’t mean I’ll drive into a truck… I still use critical thinking when I buy stuff. But when I forget to cancel a subscription I can ask for a refund and 99% I get it back from Apple. Like 20-30% when I haven’t used the App Store and went directly to the merchant.
The worry is that after asking apple for a certain amount of refunds they flag you as a troublemaker and block you from using any of their services. This happens all the time.
Going directly to companies and merchants keeps this control in your own hands, nobody can block you from buying other software just because you had issues in the past.
Did Apple refund people who were scammed through apps, e.g. in bitcoin trading like [0] (first item google found)?
[0] https://www.imore.com/apple/apple-removes-scam-bitcoin-walle...