Apple pretty much has the solution you describe for IAP subscribtions and has a pseudo governmental role within in its ecosystem. I think the challenge for ex

Apple pretty much has the solution you describe for IAP subscribtions and has a pseudo governmental role within in its ecosystem. I think the challenge for extending this approach to the rest of the economy is that many recurring payments / subscriptions involve situations where cancellations are naturally complex. Insurance, premium bank accounts, property taxes, car rentals, and school fees all involve recurring payments - but are naturally complicated to cancel for fair-ish reasons.