Couldn't disagree more. I've forgotten these things all the time and actually appreciate a reminder from the service that I need to do something about it. It's so much easier than keeping track of what's stored where and updating it
I've got to say, I'd hate your setup as a user. I've got a thousand different things to respond to/pay/deal with every month. I'd much rather have a service I use just autorenew than have to explicitly pay for it over and over again each month.
Provided...that the service had an easy and obvious way to cancel when I wanted to.