Honestly laws are moving in that direction in many countries so the payment reminder might become a norm anyway. For example, in India there’s a mandate that renewals of any subscription services need to be manually approved by the cardholder. If the user doesn’t want to use a service anymore, they’ll just stop authorizing the renewals.

I’m sure we’ll see a lot of cool UX emerge as people think up ways to make that interruption more seamless or even fun.