To be fair the billing system of PSU was borderline illegal. The only way to cancel a sub was to call a number NOT available on SEGA's official PSU website. It was handled by russian 3rd party company hired by Microsoft out of all things. Once I managed to get the woman speaking HEAVY Russian accent (she barely spoke basic English) to understand that I want to cancel my order she made me say on the record "I am pleased with the support Microsoft has offered me" before she agreed to cancel my order. (mind you while not speaking my native language)
So I'm not saying we should be happy with any kind of sketchy payment systems but I assure you it could be FAR worse.