Well, I bet that if you are able to show in a small damages court that unsubscription was made unreasonably hard, you'll get them not only to throw away your debt, but also get some nice amount from the company as image damage reparation.

It's a hassle, but this makes companies not willing to go after the debt.

You pay for access, not for use, so there is no way of incurring debt.

So they just don't suspend your account even if billing fails, then after a year or so they can go after the price for 12 months of access.

Alternatively, they can do the same as the ISPs around here: jack up the sticker price, then give a large discount - conditional on your permanence as a client for X months. If you decide to cancel, you have to pay them back the discount accrued.

Even more reasons to pirate. I don't pirate because I think it's right. I pirate because I just don't care.