I may not understand properly what you are saying but here in the UK you can have regular payment on your credit/debit card. Except for Utilities, basically all my recurring payments just happen like that. Netflix does not require a Direct Debit, neither does a variety of service, including Apple iCloud.
Although you can chargeback those payment, that's not really a cancellation. It's a last recourse type of stuff. I'm still subscribed and liable for whatever charge I have incurred. If I want to cancel Netflix or iCloud, I need to go there. So sure, if the payment fails your account will eventually be suspended but not necessarily cancelled.
Even Direct Debit are like that. I cancelled my Electricity DD by accident, but I still received the bill in the mail (at the time) and the electricity wasn't just cut.
Also in the UK, Paypal will allow to setting up subscription. Similarly you can cancel the subscription, but it is not a cancellation of the service. You need to go to whatever setup the subscription and unsubscribe there.
Apple system is a centralised cancellation of the service first, the fact that the payment are stopped is a consequence of cancelling the service. Not the other way around as with all the systems I listed.
Although you can chargeback those payment, that's not really a cancellation. It's a last recourse type of stuff. I'm still subscribed and liable for whatever charge I have incurred. If I want to cancel Netflix or iCloud, I need to go there. So sure, if the payment fails your account will eventually be suspended but not necessarily cancelled.
Even Direct Debit are like that. I cancelled my Electricity DD by accident, but I still received the bill in the mail (at the time) and the electricity wasn't just cut.
Also in the UK, Paypal will allow to setting up subscription. Similarly you can cancel the subscription, but it is not a cancellation of the service. You need to go to whatever setup the subscription and unsubscribe there.
Apple system is a centralised cancellation of the service first, the fact that the payment are stopped is a consequence of cancelling the service. Not the other way around as with all the systems I listed.