I'll read the article if a mirror gets posted, but yeah, I've read that you can, in general, get sent to collections if your scheduled payment fails, so it may

I'll read the article if a mirror gets posted, but yeah, I've read that you can, in general, get sent to collections if your scheduled payment fails, so it may not be an effective way of avoiding one's trivial responsibility to remember to cancel. Don't know how common it is. So it would only be necessary/ethical against merchants who would charge you without your agreement. At that point, the comparison is temp card numbers vs. normal credit card protections, not vs. nothing.