In part.

Apple allows you to block the company from doing tracking of you and connecting that to other info. These things are hard to block technically sometimes.

I had a company threaten collections action over an unpaid subscription because they continued to provide the service (that I didn't want) and I hadn't paid. It doesn't matter that I had an email saying please cancel. You have to dial XXX.

On the business side we are seeing more deals where you have to provide written notice 60 days BEFORE the end of the 5 year term but not more than 90 days (check your copier lease agreements). All these are essentially tricks to force renewals in my view (and are totally allowed).

It addresses the problem in the same way that shoplifting addresses the problem of not having enough money for what you want. Technically, you're in the wrong. You're failing to pay a bill you signed up to pay. And no one will go after you for $4 (unless they really want to lose money, I guess.) But if you try the same thing on tens of thousands of dollars of subscriptions (say, as a business you make a decision to do that) you'll probably get sued.

It doesn't. That's for fraud protection, not just-on-the-right-side-of-the-law subscription sketchiness.

This shouldn't be on-the-right-side-of-the-law. You should be able to have your credit card send a "cancel" signal and that should be it. Further charges are theft.

Legally it doesn't, but for practical purposes most recurring subscriptions probably won't pursue you over a declined payment and will just suspend your account. I don't advocate this, but I've heard that it works.

Even with virtual credit cards, companies can still charge you and anything unpaid can just go to collections.

Absolutely not. That's the equivalent of just ignoring an invoice.