I personally would support SE having to increase the subscription fee to find a better alternative than having to go through these current methods.
Just no thanks, i rather have them monopolize my 5$ then increase the monthly bill... wtf seriously. Did you guy take time to read the new FAQ about C&B automatic billing system with CC? They been clear:

Q: Will customers who pay via ClickandBuy be subject to any additional fees?

A: No, customers who have chosen ClickandBuy as their payment method will NOT incur any additional fees when paying for subscriptions.

You only pay additional fee form C&B: if a customer chooses to store funds within their ClickandBuy E-Money Account.

If you just don't trust C&B (As i do....) The yes, "deal with it" and take alternative with paypal and the problem solve.