Hey man I’m not saying you’re wrong, but you’re touching on another important thing which is trust. On average, high trust people are just easier to manage, especially when you’re a small outfit. It’s better for everyone if low trust users bounce away because of the cc wall. They’ll come back once the product has some brand recognition or social proof.
Jesus Christ man 😂 you’re looking for a moral angle but there is no moral angle here. A business has the right to design their transactions however they want, even if that design explicitly excludes people like you.
Some people are easy-going, they are more prone to trust, they want to test a product they don’t write an essay about it about it they just put their CC info in, try the thing, and cancel the sub if it’s not for them. If they forget to cancel i refund their money cause i need a happy customer more than i need 20 bucks. You don’t need to call them rubes just because they’re invited to the party and you’re not.