It addresses the problem in the same way that shoplifting addresses the problem of not having enough money for what you want. Technically, you're in the wrong. You're failing to pay a bill you signed up to pay. And no one will go after you for $4 (unless they really want to lose money, I guess.) But if you try the same thing on tens of thousands of dollars of subscriptions (say, as a business you make a decision to do that) you'll probably get sued.