I like the ability to allow for Crypto payments, but not having a card on file makes collections very challenging.
More generally, cryptocurrencies are like cash in this sense. You can only request payment; you can't really collect a payment. You just have to factor that into the things you build.
If so, the only way to have automated collection and recurring payments is to entrust your private key to a third party and to re-implement the whole existing banking infrastructure... In which case you might as well use a bank and 'normal' payments.
I pay you in `me-tokens`. You subscribe to my recurring tokens by opting into my DAO with your wallet address.
Then every month I will mint X me-tokens and send it over. Works for DeFi, should work here too.