But, like, depending on the contract you have, stopping to pay doesn't absolve you from it. They can just send the cost of the remainder of your term to collections if they want to. So figuring out how to cancel that subscription is kinda worth it.

Also, if you want your card provider to stop a certain merchant from getting payments, you can usually do that relatively easily.

Also also, I know that's not always an option, but I just have almost no subscription I can't cancel month-to-month (pretty much just phone, Internet, VPS, stuff I need long-term anyway).

only accessible through a mobile app.

apparently currently they allow it, but as lots of bank apps deny operation to degoogled phones, phones with a replaced rom, and rooted phones, it has the risk of losing access to your money when they decide to implement those practices. normal banks have a website and offices where you can manage your finances.