Unfortunately it can also really seriously effect your credit rating, but then again anything can do that and credit ratings are silly.

Can it? There shouldn’t be any obligation implicit for monthly subscriptions outside of loans.

You can absolutely be sent to collections for not paying for a service, it happens all the time. As soon as that happens they will report it to the credit bureaus.

Why can’t I send them to some other service?

Send who, the debt collector? "Oh, no, I switched from Dropbox to backblaze. Go get the money from them." I guess you can say that, but I doubt it works.

It’s not debt if you’ve just been automatically renewed. Agreeing to pay X in Y payments is not the same as paying Z for 1 term of use.

Why do you think that? You entered a legally binding contract with an obligation to pay. You refuse to pay without canceling the contract. Why should the fact that it's a recurring payment change anything here?

Modern subscriptions are little more than saved payment information. Merely having someone’s payment information does not give consent.

No, merely having payment information is not giving consent, but you signing up for a subscription service was giving consent to a recurring subscription. That's a totally different situation.

With Stripe, it's $15 for each dispute.