Precisely this. And I realize it's not the same around the world, but recurring payments get really bad in large parts of the world.

If you, the customer, want to cancel a recurring payment and you're using ApplePay, it's one button and done.

If you're using 3rd party billing from $randomcompany, it usually works by you, the customer, trying to find who to call and spending a substantial portion of your time being badgered by customer retention people. They're set up to make it as difficult as possible because they know that they can make people give in if the effort is too high.

This is a huge part of the reason why companies want the second option - they want to own the customer, and for you to have to get permission from them to stop belonging to them.