I know this is a late reply, but I didn’t notice the notification. Sorry about that. What I do is, I open a free virtual card for each service. I have one for netflix, one for spotify and so on. I set the monthly spending limit just above of what they cost.
This way if I ever unsub, I can delete the card and they can’t charge me, or if they have a data leak, they only stole my deleted cards.
I could live with this. I like the gnome “workflow” but I hate how restrictive it is. Not to mention that it runs worse on my laptop compared to KDE. Thanks for the inspiration! I might just try something like this.