I think a good analogy for this difference would be this:

Walmart sells both fresh/frozen/packaged food (lots of food safety regulations) and t-shirts (few regulations by comparison). They also sell things like cell phone plans and subscription services that have entirely different sets of regulations.

Exactly as you described, if I make a specific type of app, maybe the business address and responsible party should really be Apple. If I make a subscription service app, then it should be me.