Agreed. Usability with 3D secure is not bad at all. Breaking the "subscription" model is actually a good thing in the current scenario, where the customer has very little control on when and how he unsubscribes to services, and businesses unscrupulously charge for subscriptions beyond the agreed-on date. This happened recently, when a web hosting provider tried to charge my credit card although I'd canceled - I got an SMS from the bank saying that the charge had not been accepted - how delightful it feels to be in control!