No, I’m not trying to argue that at all! I consider forced in-app purchases very problematic.
I’m just saying these are structurally very different scenarios and I don’t think they can be used as an analogy.
The core issue is that in the case of Costco, there’s only two immediate actors: Costco and its customers. For Apple in-app purchases, there’s three: Apple, app vendors, and Apple users. The argument is leveraging that Apple is unfairly monetizing its captive user base through app vendors.
Now Costco is also leveraging its captive user base, but they are doing so against card issuers, which can be seen as somewhat affiliated with cardholders (and thus by extension Costco consumers) – because they pay them kickbacks in exchange for preferring using one card over the other!
Both fascinating case studies in economics, but structurally distinct.