While I do actually believe you’re trying to solve a genuine frustration people have. I disagree with your opinion that Apple has no reason to ban you.

Apple have always had a negative view on 3rd party APIs replicating their core OS functionality. And that’s exactly what you’re building here. You’re bypassing Apples approved process and selling those services. Even if you guarantee your customers wouldn’t abuse your service, it still defies Apples walled garden.

So Apple will find an excuse to shut you down. It might be a “security” update that changes their API and thus breaks your compatibility. It might be the ToS point others have raised regarding commercial use. It might even just be something as vague as “we detected unusual activity from your account” bullshit. But Apple will close you down just like they did with every other service that bypassed their walled gardens.

The only way you’d survive this is through lobbying. Like what Epic and others had to do. But there’s no way your startup would have the runway for an extended legal battle with Apple.