[CSMastermind]

I don't think you even have to be that extreme.

Just make it so that you can remove the authorization of vendors to charge you. You see a vendor charging you for a service you no longer want - click a button and remove their authorization to charge you.

[FireBeyond]

Yet currently, we have the opposite, financial institutions will "helpfully" update your card details with merchants you have recurring charges with.

Years ago at Key Bank I even argued with a teller and manager about blocking a recalcitrant merchant from charging our account, "But you have ongoing charges with them and if we decline the transaction..."

Yeah, that's between me and them, you shouldn't be inserting into this to 'obligate' me to pay.