The issue is not that they charge this fee. Instead it is that they prevent competing app store on their platform, through the use of anti competitive practices.
If, instead, it was quick an easy to install a different app store on the iPhone, then few people would complain.
> Every reason you provided is more reason to build a competitive solution
Apple prevents competing app stores. Thats not really possible to get a different app store on the iPhone.
This is anti-competitive, due to the size of Apple's market share, which is around 50% of the US smartphone market.
This anti-competitiveness is therefore illegal, according to section 2 of the sherman anti-trust act.
> If you don't like the entry fee, build your own clubhouse or find another one.
You missed the other option. Which is to prosecute apple for their illegal, anti-competitive practices, and make them follow the law by allowing competing app stores.