I’m one of the people who usually don’t have a lot of available funds on the account my debit card is attached to. An easy way to avoid a bunch of things, everything from “things I thought I had cancelled” to “impulse shopping”.

It really drives me nuts that most services requires me to re-add the same card instead of having a re-try button. Patreon have had one for ages, but it never worked, but it finally started working for me.