It's "solving the problem" in the sense that it's spending your money without getting your explicit approval. That does make sense in some cases--my electrical, oil, and water bill basically work that way--but they're also pretty predictable and I probably couldn't realistically reduce them all that much even if I wanted to.

ADDED: That said, it's not unrealistic to imagine a "hidden" micropayments scheme that deducts automatically and lets you know and/or just turns off if you hit some monthly threshold.