I put my Netflix on hold all the time. If it was hard, I’d cancel forever.

Not sure what the OP is talking about with the Apple system. There is a Subscriptions section in your Apple ID.

But I like going through Apple because it’s all in one place and the content provider has no chance to try and dark patterns on me. Even if the Apple subscriptions is a slightly worse experience, if I can get all my subscriptions in one place and have the ability to cancel at will I’m going to chose that.

I can’t imagine what kind of minor benefit I’d get from using multiple cards and different subscriptions that would make it worth more than easy management.