The infuriating thing is that some american users think that since they have to endure crappy banking then everybody else on the planet must also be enduring the same thing, and that's not the case.

I must explicitly approve any direct debit subscription before it can withdraw money from my balance and I can kill a subscription from my home banking (I'm an Unicredit customer btw).

That's actually how I made sure my gym subscription was terminated for good.