For example, apartments are rented with an annual price and a monthly payment because a) both landlords and tenants have a lot of switchover costs, and b) tenants want to avoid landlords exploiting the pain of moving by jacking their rent up after a month.
But this is just exploitative marketing BS. When you sign up, Adobe is not buying a physical server that they have to depreciate and would sit empty when you quit. They did not buy extra buckets of pixels that will now sit unused in a warehouse. If a person stops using Photoshop, both the the provider expenses and the renter benefits cease immediately. There's no legitimate reason to charge people a cancellation fee here; it's pure exploitation of purchaser optimism and cognitive bias.
Exactly. And itβs perfectly legal and practiced by a lot of companies, even the public transport company in Berlin does that.
There seem to be a lot of people in this discussion on HN who seem very inexperienced in signing business contracts.
But that would also be the case for most of the general public, no? Are you suggesting that people should have experience in signing business contracts (and contracts with a predatory company, at that) before it's considered safe for them to buy software?
The "cancellation fee" is because you are breaking a contract which you agreed to in order to receive a discount. If you are actually given a meaningful choice (which I feel quite strongly that you are in this case) and you can't be bothered to understand such a basic aspect of the choice being made, then I have absolutely no sympathy for you.