Totally understandable! We've spent a ton of time talking to parents, and not including ads was one of the first (and easiest) decisions we've made. The other was always offering a set of free and re-playable content that we expand every time we have a release, so families can experience Tappity before they ever have to commit to purchasing a subscription.
I'm not concerned at all about spending money without trying it. I check reviews for everything I purchase, especially for my kids, before I buy anyways, at a minimum seeing someone use it on youtube.
The problem I have with in-app purchases with kids, is that it's very vague and open ended, and it's getting promoted to my kids. There's no guarantee that pricing will be fair for future content or features. I prefer the initial expense over the lack of transparency. I also prefer the family sharing standard with Apple's Arcade... I can't just pay for an in-app purchase for one of my kids and not the other(s), or there'll be hell to pay.
That's just me though. I'm very happy with Arcade and being able to keep them away from ads / in-app purchases very easily through it.