The key statement there is "if" - you have to try to contact the merchant first before you issue the chargeback. And even a successful chargeback doesn't prevent the merchant from reporting the missed payments on your credit record or sending it to collections.
In contrast, with Apple Pay it's a quick subscription cancellation via one simple interface.
Regardless, Apple could still mandate use of their own payment system alongside optional 3rd-party systems, and let all options compete on their merits - ease of cancellation being one of them.
In contrast, with Apple Pay it's a quick subscription cancellation via one simple interface.