You are being dramatic…
I’m perfectly fine with the one person handling most of the arrangements, but in a family everyone should at least be informed of everything (including subscriptions).
I really can’t see that as a valid point to say AC+ subscription is “dangerous”.
Not particularly dramatic. One of the downsides to an ongoing subscription model, often with an auto-pay arrangement, is that if something serious happens to the person who handles the arrangement, a number of extra payments can get sucked out before a spouse or other relative gets around to checking where credit card and bank transactions are going, gets ahold of log-in info., etc... 'Dangerous' is a bit debatable, but waste is a clear risk (and you put it in quotes, but I don't see where I used the term).
Perhaps everyone 'should' at least be informed of everything, including subscriptions, much as they arguable should diet and exercise in such a way no one is overweight or obese, always wear eye protection when using a hammer, test their smoke alarms monthly and a range of other things many people don't do. Personal responsibility counts for something, but so does grace for human nature.
A preference is a subjective thing. You could want something different from other people. That’s not up for debate . Above you can see there are people liking the subscription more.
Which is why I like to see both options, subscription and pay up front, offered together. I have no desire to see the subscription option end.
That’s only if your are very poor at managing your own finances. By the way I don’t think apple customer target are user with financial struggling . There are much cheaper options out there.
There are shades of gray. You're not the 1st to assert Apple's customers don't tend to be financially struggling, but I've seen a number of threads with hand-wringing over whether to get a M4 or M4 Pro, whether to get the 256 gig SSD or pay for the upgrade to 512 gig, or 16 gig RAM should do fine but is the cost of upgrading to 24 gig worth the future proofing? We could quibble over what counts as financially struggling, but clearly a number of Apple's customers don't spend money all that freely.