The other side of this is that there are some customers who can't manage to cancel a subscription even when they literally just have to log in, click/tap to go to whatever page handles their personal details, and then push a prominent button to cancel and maybe a second confirmation one to prevent misclicks. The entire process can take less than 10s, yet you'll still get people who email you claiming they can't find it and have been looking forever and now they'd like a refund for their last six months of payments please. Remarkably, although they have trying to cancel for months and have looked everywhere, some of these people have no entry in your logs showing them visiting any of the personal settings pages on your system, nor is there any record of any previous attempt to contact you via any of the five different methods you advertise prominently for customer support...

Now, we're generally fairly relaxed about subscriptions. We very much take the view that it's not worth quibbling over the odd month's payment and we'd rather offer good customer service and build a good reputation. For example, maybe someone seems to have made an honest mistake but we believe they really did intend to cancel and they haven't used our services since, and in that sort of situation we tend to just refund them anyway if they ask.

However, cancelling a payment authority or charging a payment back retrospectively is not a substitute for cancelling a legal agreement, and in some cases it also hurts us. If someone deliberately messes us around like that, we are much less sympathetic, and we certainly consider whether to pursue them through legal means to recover what they owed us and any other damages and costs.