They will try to scare you and ultimately won't go after you because the legality of this for b2c is very very iffy (because of the way they present the information on the sale page, which doesn't meet any informed consent level required). At least in my country, apparently in NL too, and if it ever got to the European level it would be smashed easily.
My current bank (Wise) also offers virtual debit cards. I am in the UK now and Wise works well. I still use both since I still have my American bank account though.
If a bank doesn't offer these, next best thing is to go to the bank that does.
I doubt this. The early termination fee is 50% what you were obligated to pay. If Adobe got rid of this than consumers would have to pay 100% of this. De wet van Dam is about the about not being able to cancel the subscription itself and not about being able to pay to get out of what you were suppsoed to pay for a subscription period.
Keep in mind there is a normal monthly subscription and when buying the product the three choices of monthly, annual billed monthly, and yearly billed up front are equally displayed.
You have to threaten their customer support with legal complaints to make them comply with it, it's super frustrating to deal with. They do fold immediately when you do this though, so they know it's illegal but hope the frustration of getting through customer support will deter people (and avoids the legal problems).
And yes I know you can just switch subscriptions and use the early cancellation period there to avoid the hit back fee from cancelling. It's the principle that's scummy.