Billing on line is the same thing. Unless you are on a trusted site (Amazon / Apple) you can just get hosed trying to cancel subscriptions with jack up pricing etc.
Same thing with spam - at some point users stopped trusting the hackers and developers and migrated to more controlled worlds (ie, gmail etc) which blocks HUGE quantities of the junk.
I just wish hackers spent some time trying to make users experience and lives better rather than the constant push to spam them (EFF wanted to pass laws banning anti-spam measures), now AMP (which was amazing) is being attacked endlessly and the list goes on.
Google has a commercial reason for pushing this stuff - the web was turning into a trash bit (flyover ads with audio etc etc).