How much effort does this? Most services are a couple of clicks or like me, use a digital debit card and prepaid only what you need.
Or just subscribe and cancel it right away (almost the same screen). You take more time looking at what to watch than to switch services.
People lose money because this companies know they are lazy.
Other thing I see is that people fall on the trap that they NEED to watch what everyone is watching.
Just don’t. Rotate if you need to.
I pay Netflix one month per year, most other services even less.
YouTube Premium is the only I pay full year. It’s my TV now.