I like your line of reasoning and you may be right. But as a user I'll probably try a few of the free trial competitors to see if they do what I want before I put money down. I don't always trust front line customer service and the returns process. Sure, maybe you are the good developer who makes it instant and easy. But maybe you're not and either employ dark patterns to keep me in place or don't respond to me at all to return my money. Then I have to consider if the cc charge back process is worth my time and hassle.