... I am extremely sympathetic to focusing on the core service instead of having to build, maintain, and protect systems that store secrets needed for payment.
There is no need to store payment information. A token corresponding to a user is all that's required for payment systems (of which there is a multitude). Even enrollment doesn't require a merchant to capture or even see credit card information.
This is what most merchants do – focus on their core business and outsource payment processing.
One could argue that autopay is less disruptive and intrusive than having an account deleted.
– M