Apple wants their 30% cut. In any country that is the cut for final incomes. So they are charging you the fee that a government would do. Incredible. Their apple pay system allows them to get that cut, but it is hard to implement it on Bitcoin/LN. Very complicated for them. Also getting the cut in btc means they have to add btc on their balancesheet or at least convert it instantly to FIAT. How would they do that?