Last time I checked (admittedly a long time on Apple, as a developer, I couldn't refund and cancel a subscription for my customers. They have to go through Apple to do that. Not a great experience.
It's not a pleasant process for consumers at all, in my experience. I'm not a big fan of hanging around in awkward support chats or calls for things that can usually be resolved with an email.
In my experience as a user in the EU Apple's refund process is pretty good, I've basically never had a refund refused with the "right of withdrawal" option. But I guess it can suck if Apple randomly decides to refuse the refund even if the developer would be willing to accept it, especially for non-EU users.
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