This entire comment is waxing poetic about an imagined loophole that almost no one is actually relying on. If your credit card charge doesn’t go through, nearly every consumer oriented digital subscription simply revokes your access to the product. Neither side has any obligation to continue doing anything. There is no debt to collect on because nothing was delivered. There is no contract that was breached because the purchaser is not obligated to subscribe to future services.
It would make logical sense for it to function like that, but go ahead and test your theory. You will quickly find most places happily continue service for a while while sending bills and threatening collections.
This is especially true of those services that are difficult to cancel.
The grandparent was not just about subscriptions, but about a solution to the privacy and easy to cancel issue ("just close"), with the parent comment being about issues with payments missed in that case, going beyond subscriptions alone.
And you'd be surprised how some services continue to charge you (and give you the service) if your card stops working. I've had it happen several times when cards expire (due to messy post office service, it's a mess to renew here, plus I often forget to actively go and personally get the new one in time).
