Most of them could be solved by our CC system putting people in control. Wanna cancel NYT, stop payment and let them come to you if they want to bother. The fact that people can just take money from our accounts on a whim and we have to beg them to get it back or stop is a ridiculous system. I would much rather deal with invoices.
The only system where they just charge you I like is the usage model. I get a bill from AWS, OpenAI, and Backblaze every month for a few dollars but if I stop using them the bill drops to $0.
This is how UPI-based subscriptions work in India. You open your UPI app, go to the autopay section, and see all your subscriptions, whether it is one-time mandates or as-presented recurring ones. You can just cancel there and it's done.
The only system where they just charge you I like is the usage model. I get a bill from AWS, OpenAI, and Backblaze every month for a few dollars but if I stop using them the bill drops to $0.