Adobe's Creative Cloud is a bad example (compared to say Netflix or Spotify) because the plan is annual, but paid monthly. The photography plan is $120/year, but they let you in effect finance the fee at 0% by letting you pay $10/month.

$10/month is more palatable to many than $120 all at once, but it nullifies the threat of customers leaving.

https://www.adobe.com/creativecloud/plans.html