I don't think the problem is the subscription model exactly. If I'm paying $15 / mo for netflix, it's very clear that my $15 gets me one month of access, to whatever's available in their library at the time. Similarly, if I pay $10/mo for Gym access and the Gym decides it no longer wants to do business with me, that's fine because A) there's more Gyms for me to go to, and B) I never had any expectation that anything from that Gym would be 'mine' forever, it was always an ephemeral access to the service conditional on my recurring payments.

The problem is for services where I pay a la carte to build a "personal" library of things, like steam games, Google Play movies, Amazon Kindle books, etc. I've paid a one-off price for the digital content with the expectation that I will have access to that content indefinitely. If I am abusing the platform, causing issues for others, or generally and blatantly violating ToS in a major way, then I think that's a different story. But if I need to dispute one transaction, then the ability to immediately remove all access to previously purchased content immediately, indefinitely, and frequently without review or appeals - is very anti-consumer.

It effectively nullifies existing consumer protection laws. I will never issue a chargeback or complaint against Valve (Steam) or Google, even if I have a perfectly legitimate reason to do so - as loss of those accounts after all of these years would likely be more costly to me than most erroneous charges I'm likely to see.

> Think of country clubs. Your investment is completely lost the second you stop paying

By steam sells games for $60 a piece, they are not a subscribtion service. You can't have it both ways.