Where I live, you can just not pay for something and it is cancelled.
Phone service, bank card, home internet etc.
If you don't pay your bill than they just cancel your membership and it works ok.
People in western countries are just getting shafted by companies for (mostly) no reason because an alternative balance is just inconceivable.
The west has long since let people who get off on usury hold too much sway.
This. For me it’s insane that the default is “you got the service, we send the bill after, and you’re expected to pay” and not “if I got the service without explicitly agreeing to pay set amount for it (without signs of fraud), it’s your loss for providing it”. Obviously things change for corporate agreements, but then both sides are expected to have lawyers.