Yes, you do. If you want to reach 50% of Americans, you're forced to build and distribute an app on the App Store.
Try building Netflix without an iOS app.
Try writing a new social media app and not building for iPhone.
Pick any modern vertical without an iPhone app. You just can't do it. Apple is the new AOL for a lot of folks.
You immediately surrender 30% to reach 50% of your customer base, and on top of that, you have to dance to Apple's arbitrary rules and app approval release trains.
1. This is not how technology should work.
2. Apple's fees are extortion.
3. This is using monopolistic advantage to strong arm an entire industry.