There's plenty of ways to ensure that. Don't let Apple's bad UI fool you into accepting Apple's bad business practices.
Apple could have created an API for other payment providers to integrate with, so that you could sign up for IAP with whoever you want (imagine your IAP and subscriptions run by PayPal if you enter a PayPal account instead of a credit card).
Banks and payment processors already have tons of policies requiring payments to be presented in a clear way, refunds and cancellations processed properly, etc. There are also plenty of trademark and consumer protection laws that forbid misrepresentation. It's a solved problem that Apple pretends to be unsolvable and spreads FUD about to keep their cash cow.
Apple could have created an API for other payment providers to integrate with, so that you could sign up for IAP with whoever you want (imagine your IAP and subscriptions run by PayPal if you enter a PayPal account instead of a credit card).
Banks and payment processors already have tons of policies requiring payments to be presented in a clear way, refunds and cancellations processed properly, etc. There are also plenty of trademark and consumer protection laws that forbid misrepresentation. It's a solved problem that Apple pretends to be unsolvable and spreads FUD about to keep their cash cow.