Is it really your money if it can be withdrawn without your express action? I like Monero(a privacy respecting cryptocurrency), but obviously you can't subscri

Is it really your money if it can be withdrawn without your express action? I like Monero(a privacy respecting cryptocurrency), but obviously you can't subscribe to anything with it because only I hold the keys to make a transaction and there is no tech I'm aware of that allows trustless subscriptions. I wonder if there are any smart contracts type thing that allows this. Or does it have to be a custodial service to be able to be charged for subscriptions. It has only really bitten me once. TorBox, a debrid service for free streaming torrents costs $33/year if you subscribe, but $36 for a year if I do a one-time payment. So, $3, but I feel like they should discount you because no chargebacks with crypto and lower fees.