Exactly. Microtransactions don't have microdisputes. Not to mention that payment with user intervention is annoying if it's on every page and payment without user intervention is wide open to fraud.
I don't like the way other cellphone bills work. My previous cell phones were AT&T and Sprint, and they were awful enough for me to permanently swear off of them. Maybe more people should quit trying to bend over backwards to convince their cell carrier to 'allow' them to have an iPhone.
Not only is it $35/mo, but I can top-up the account for several months at a time, so that I simply don't have to worry about it.
My one complaint is that my provider still "warns" me every month that my plan is about to expire, even if there are multiple pre-paid months to go. They really need to fix that.