Apple has recently warned us about following guideline 3.1.3(d) - Person-to-Person Services, which its deadline has been extended one more time lately.
The section is related to In-App Purchases, and our app is a fully-digital banking app, which is basically allowing users to make different kinds of transactions. There's also another feature inside the app that allows users to sell hundreds of randomly-generated gift and balance cards by relying on our own server, which is not possible if we create each IAP for them.
I wanted to ask whether I can complain to Apple? And I basically want some suggestions here.