I understand you’re upset, I would be too, if it’d happened to me.
You do understand that your bank approved fraudulent charges? You did dispute the fraudulent charges with your bank, right? Your bank refunded your funds right? If not, why not?
You filed a police report didn’t you? If not, why not?
So, let’s recount, Apple received an order, your bank, approved the charge, the order was fulfilled, product delivered. If fraud was involved, who should be out the money?
Should it be the developer or company that created the product that was purchased? I don’t think so.
Maybe Apple then. Sure, they got an order, fulfilled it, and received a valid authorization for the funds involved. Seems like they acted in good faith.
Possibly your bank then? Well maybe, they issued the credit card, your account was previously involved in fraudulent purchases. There are laws protecting account owners from fraudulent charges if reported to the bank. Even some credit cards offer $0 fraud liability protection.
Apple is not the police. They take steps to protect accounts, protect their customers data, but at the end of the day, they are not the ones responsible.
Phishing schemes only work when two parties are involved. Learn to spot the emails and texts involved. Report them to the proper authorities. Come to public forums. Reddit and Facebook have good active Apple groups. Apple Support Community is very active.
Reach out to your banks fraud team. Work with them. Banks loose billions every year due to fraudulent activities.
If you need help with your bank recovering funds please visit the Consumer Financial Protection Bureau.
https://www.consumerfinance.gov/consumer-tools/fraud/
https://www.consumerfinance.gov/complaint/