as much as this may be a noble goal, as a user i want to have the option of a recurring subscription, especially if i pay monthly (which i prefer to, unless i'm really committed to a service or the yearly subscription is cheap enough that i'm sure i won't regret it). if it's just one or two services doing this it's not a huge deal, but imagine getting emails from tens of different services each month to renew, especially if you have to log in and enter your credit/debit card details on each one separately. is there a reason they can't simply store a token from stripe/paypal/etc, or is that still considered PII?