I can see this in two ways, neither of which make such site look good: 1: One should be able to block their charges without cancelling a card - by what logic s

I can see this in two ways, neither of which make such site look good: 1: One should be able to block their charges without cancelling a card - by what logic should they be able to take your money without permission? (This is not entirely a rhetorical question - can't you dispute credit card charges?) 2: A subscription is a sort of contract, so even if you block payments, they could claim you owe them anyway. But if it's a contract, why does one party have all the power in deciding how it may be cancelled? And what prevents them from making you jump through even more hoops, till cancelling is literally impossible?