I think those problems are largely also due to anti competitive and anti consumer behaviors.
We need to craft legislation saying software vendors have to support some kind of standardized payment system with easy cancellation built in to it rather than relying on Apples good will.
Here in the UK we have something called Direct Debit, that is backed by the Direct Debit guarantee. All regular payments are made by DD and we can cancel a regular payment at any time just by contacting our bank. I can go into my banking app, review a list of all DD payments, and cancel any of them with just the press of a button. You should campaign to have that system in America.
I often find it strange that a country that is so advanced in many ways is so backwards when it comes to banking.
We need to craft legislation saying software vendors have to support some kind of standardized payment system with easy cancellation built in to it rather than relying on Apples good will.