Adobe is an example where a yearly discounted subscription is billed monthly

They'll have to change their model or implement like a breakup fee depending of what would has been missed if you didn't have a discount.

Creating a "stop subscription" button within a bank/credit card interface but allowing companies to charge a breakup fee when that gets pressed seems like a recipe for a lot of people to get whacked by big breakup fees they didn't know about.

Cell phone plans often charge monthly but can be years long contracts.