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Roblox Accused of Concocting Illegal Gambling Ring for Minors - Bloomberg Law
(news.bloomberglaw.com)
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I think a more important difference is that Apple isn't involved in the transfer of the card from one person to another.
It sounds like Roblox is involved in each transfer and could cut off access to the third party site once they find out it is actually a gambling site.
The combination is definitely worse, but if Apple allowed one person to charge a card, and a different person to get the cash out, they'd still be involved in the transfer of the cash, so they'd still fall under all the banking regulations.
Roblox in this case got the worst combination possible: cash transfer, full control, gambling, minors. Like, what were they thinking about (...unless, they got so much profit that they don't fear any fine).