[FireBeyond]

That's like, to me, why can't my bank/credit card block charges from a merchant? (Or make you jump through repeated hoops to do so).

I've heard banks tell me "well, you signed a contract with them, so we need to let the charges go through", or the "for your convenience"...

No, my bank has a fiduciary duty to me. If blocking a charge causes me to get into conflict with the merchant, that's between the merchant and I - my bank shouldn't be taking any "side" (and if they do, it should be mine).