On fixed-cost memberships, I'd love to see legislation forcing the hand to say that payments are for future services, not past, and that failure to pay means being cut off from future services until payment is made. This way these companies couldn't send you to collections since you're paid up for everything you've "consumed".

> Not paying your bills is not a legally protected way of cancelling

In normal relations, when you pay you get the goods or service, and when you do not pay you do not get it, without presumptions. If you buy a carrot - or more relevantly, newspapers - everything but the cash is redundant: not everyone would accept to subscribe to a different model, if not on very exceptional services.