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Doesn't take a genius to figure this one out. If you can't understand this before it becomes a problem, you have no place running a SaaS business.

Give the growth hackers the benefit of the doubt, you reckon?

Yes. They don't gain much from pissing people off who don't have a card to bill.

Or: they know exactly how to handle free trials

well being a YC company im sure they know all the different trial and funneling strategies, they chose to hack it the sketchy way