Why not just use temporary card numbers, a la Privacy.com (I am not affiliated with them, just a user)? I've taken to using Privacy/temp card numbers for all s

Why not just use temporary card numbers, a la Privacy.com (I am not affiliated with them, just a user)? I've taken to using Privacy/temp card numbers for all subscriptions. They have strict spending limits set and if needed, I'll deactivate the number. Sure, someone probably could send your "debt" to collections, but will they?