Regarding subscription services, most people don't know how to use them. I use subscription services, but I only pay for the time I use. For example, if I need an app today, I will pay the subscription and cancel it next week when I need to do something else. I subscribe Netflix to watch one or two series, and cancel after it is done. Most people think it makes sense to keep paying a subscription for months on end, just for the sake of keeping it alive. These are the ones who are getting poor and filling the coffers of subscription services.
Having to "manage" your subscriptions is itself a decline over one-off payments. I shouldn't have to remember to cancel a subscription. That's why I avoid almost all subscriptions - my only atomatically recurring payments are housing, internet/mobile connection and my VPS. That's getting harder and also more expensive all the time though as subscriptions for everything become the norm.
