Credit/digital payments as a whole are backwards. Currently, you give your payment information to some organization, and they can bill you whatever they want an

Credit/digital payments as a whole are backwards. Currently, you give your payment information to some organization, and they can bill you whatever they want and you hope they don't take your money indefinitely. If someone takes your money and you try to get it back, your own credit is on the line when you try to resolve it. Even with chargebacks, your credit card company may only accept so many. Instead it should be client-controlled, they give you some sort of payment token that you can pay or not pay. For recurring payments, you could trust a particular vendor you like (and then untrust them at will), but it should entirely be under your control. Unsubscription should be automatically handled by this as well.