[mikst]

Maybe people simply have different spending habits. Personally I try to stay away from "pay as you go" businesses. Moreover, I try to pay for the year upfront if I can help it.

Purely psycologicaly I think it's an attempt to take control of your future, you know? Reducing uncertainty is more valuable then many things... "The best way to predict the future is to make it" and all that.

Like, if I'm not sure whether I'll need it and how much of it I'll need, there is something wrong and I'm not gonna buy it at all.