I do not think it's true that Apple's decision to ban Microsoft's xCloud is to protect their customers from games that are actually trying to defraud players. If this is deflecting then I guess call me the Great Deflector.
Yes, I think they can tell the difference, but I don’t think that they’re somehow in an unguarded / safer frame of mind in apps, especially with how iOS will immediately transfer you to native apps. It’s an extraordinary claim by Apple that would need extraordinary evidence before I believed it.