I might sound a bit dumb here, but would a cron job that runs daily, finds customers who haven't been billed in 30 days, then tries to bill them and disables their account on failure easier than dealing with webhooks/etc.?

Some other examples of complex use cases: connected accounts, reconciliation reports, dunning reports, non-traditional ecommerce workflows. From a security perspective, I'd love the ability to enforce 2FA instead of having to audit the users table every month. To be fair I think the number of clients with 50+ connected accounts is fairly low