A big issue I see is from the switch to Face ID from Touch ID. With Touch ID you actually had to put your finger on the sensor to confirm payment. Now with Face ID that dialog just becomes another OK you accidentally press and your face gets scanned before you even realize what’s happening.

> People install things and click rapidly thru the startup screens.

While this is true, and there are definitely cases of people not reading the text and accepting whatever, Apple has a long way to go here. On the payment screen, the text showing the price and the recurrence is way too small, and they're both located under an eminently-skippable "Policy" paragraph. It's no surprise that users are skipping this user-unfriendly screen.

This Twitter thread has some examples of how it can be improved: https://twitter.com/rjonesy/status/1358161301973979139