I'm sorry, but this makes no sense at all. The only difference between these two scenarios is who is in a position of power. If I use a prepaid card, it's not because I intend to ditch a service, but to control the costs.
A simple example of one of the services I use, Mailerlite. When the funds are depleted, I receive an email from them they were unable to charge me this month and they downgraded me to their free plan, and they will try again in two days. I then charge my card, they charge me and everything is fine. You don't want people like me - fine, you will have less customers. And I'm a very loyal customer, cases like failed payment happen maybe once 2-3 years.
A simple example of one of the services I use, Mailerlite. When the funds are depleted, I receive an email from them they were unable to charge me this month and they downgraded me to their free plan, and they will try again in two days. I then charge my card, they charge me and everything is fine. You don't want people like me - fine, you will have less customers. And I'm a very loyal customer, cases like failed payment happen maybe once 2-3 years.