[620gelato]

India basically has this - when creating subscriptions, merchants typically create "mandates" which specify max amount permitted per month, frequency, and duration.

Afterwards, 1) if per month amount is greater than a regulated threshold, manual confirmation is needed. [ This is friction ] , 2) cancelling can be as simple as going to your bank's website and deleting the "mandate".

In all honesty, this is probably a really balanced approach, but the roll out was a real pain, with banks and merchants collaborating on who supports whom, etc. International payments got screwed completely - to this day, I can't subscribe to nytimes, after almost 2.5 years of this.

(A good summary - https://support.stripe.com/questions/rbi-e-mandate-regulatio... )