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Some (most) CCs will allow prior recurring charges to continue with an old/lost/stolen CC number for some period of time (potentially until the expiration date) so you can avoid that headache.

In the case of my AmEx, I have some monthly charges still using an old number from 3 years and 2 stolen cards ago. Discover used to offer this too, though I don't know if they currently do.

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Except I think the vendor has to do something? I know some vendors immediately start failing and others seemingly work fine. Regardless of whose problem it is, it becomes a PITA for me.

I don't see why the merchant would have to do anything. If the card/bank allows the transaction, because they recognize the merchant using the "old" card info it'll go through.

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