The American personal banking experience feels so shady and insecure. Afaict companies often have the ability to pull money out of my bank account or credit card, that's just the way subscriptions work here. I just have to trust they don't abuse it.

In my home country we've had a national system for electronic invoices for ~10 years which allows you to receive invoices to your bank account. You can remove any such entry at any point in time. You also see all scheduled payments ahead of time and need to sign them before the due date, using a 2fa system that isn't tied to the bank itself. It's not perfect, and even feels a little aged today, but it's so much better than here in the US.