My second and most recent reply. I've learned the delay is also a cost saving for Apple allowing them to group your purchases together in order to pay less bank fees. Vs charging bank for every .99 purchase. Every transaction w bank a vendor has a small fee to pay.
Lastly, there's an ideology being applied as well which is basically buy now & pay later. This human behavior leads to more purchases. Basically, you don't feel the paying hurt up front convincing some they are getting something for free. This lending some to spend way more based on this tactic.