If i cancel payments to FFXIV NOW, what is going to happen?

It may not belong here but any1 can help? I tried to find the answer but i couldn't.
I get server connection error since EW started, ive been able to q for two hours max before error, by now numbers barely ever go below 7000 when i get kicked out.

At this rate i dont think ill be able to play anytime soon, and once i start something else i wont look back for months, i just get hooked. I had a 4 month hiatus on FFXIV before when i continued to pay all along cuz "ill get back on it next week, just gotta finish this other game quick" and so on. I dont want to repeat that.

So as MUCH as i really want to play now, i can not, and it inevitably will result in abandoning the game when i start a "replacement, comfort" one.
Im just kind of afraid how that will impact my account if i go out now when the game is so full...

I hope me giving up and accepting defeat does a favor for all others but i dont want to be set back/lose anything or even lose the inactive or whatever account itself due to my space being needed or idk, i really dont know anything about these things...
Please can anyone give me advice?