There's a massive gap between that pattern and the real-world complexity of billing. It's too much to cover in a comment, but this link explains the actual nightmare - https://www.getlago.com/blog/why-billing-systems-are-a-night...
But, in principle I agree billing, even the simple SaaS stuff, is much harder than most people expect it to be in 2025. My product (linked in the original article) is based completely on Stripe Billing - and it is still very hard to avoid all the footguns.
For people wondering, I even have an example how wrong it can go: I "audited" a successful SaaS I know uses custom Stripe billing. I paid $30 for a starter plan, but was able to "upgrade" to $2k plain for free. Here's the full video: https://www.youtube.com/watch?v=YuXp7V4nanU
bill = FactoryBot.create(:bill, products: [])
expect(bill.currency).to eq("USD")