This makes no sense. A lifetime license is convenient conceptually, but it completely detaches your goals (working software) from a company's incentives (provide absolutely zero after initial delivery - everything afterwards is cost without upside). Lifetime licenses are bad for users (cf this post, as just one example).

Subscriptions are incentives for companies to keep doing what you want, along with direct consequences (everybody will cancel) to penalise them for ignoring their core user base.

Don't let the awkwardness of the system (fully agree modern banking is shit at letting you manage recurring bills) distract from the underlying user-beneficial dynamics.