jenniferbond101
Certainly understand the confusion and frustration. Many of us only know these things through experience and making some of these perceived mistakes ourselves.
Even when I look at subscription providers, they are very vague at times. I have signed up for some free trials in the past from different providers. Sometimes this "free trial" is really a pro-rated discount off a full month's subscription price. At other times, it really is a no-catch free trial as long as you cancel within the alotted time.
Another thing I have learned is not to take advantage of a year's discounted price unless I have already experimented with their monthly subscription. Sometimes easier to pay a couple of dollars more to have the freedom to walk away if service begins to underperform or develops issues.
Personally, I have not had issues with RokuPay (the channel x on the Roku Channel offerings) or using the free offers from Roku for channels/apps but others certainly have. Unfortunately, in an attempt to make it easier for users to access/purchase subscriptions from their devices, not all the options available for a subscription are presented on the screen. (and sometimes the channel partners don't offer that information to Roku to display).
As for the 2-factor authorization (the email confirmation for login), you can disable that in the online dashboard over at https://www.roku.com/.