Agreed on both accounts. As someone who is not even a heavy user - I have over $50 in "surplus" right now, meaning they're making money off of me - I am likely

Agreed on both accounts. As someone who is not even a heavy user - I have over $50 in "surplus" right now, meaning they're making money off of me - I am likely to cancel for both of these exact reasons despite the fact that the actual charge to my credit card would not change next month (and I could even cut my cost in half if I wanted to).