I am a bit saddened that you felt so strongly (and being financially misused/screwed in the process of being overlooked) for a too long time period, that you jumped to this shaky conclusion, somewhat blinded in some important ways.
I'm glad that your bank is directly dealing with your funds. That in itself is the best way to handle this sensitive matter. Though accusing Roku of ripping you off is not fair. At best, Roku is merely a third party channeler of your funds to it's proper & intended final location. Nothing more.
The key 🗝️ weak link here was preprogramming the smart TV to handle the money directly, perhaps with not too much thought of the actual fund transfer taking place. The best way to pay for your subscription(s) is keeping one individual direct account/app per subscription with no middle man organizations like Roku involved in any way. It could not necessary be just Roku itself as it could be other corporations involved as well who do/practice this business model type. Not very convenient for most, but I myself don't worry about third party mistakes or no direct control anymore. Plus most of the time I get to communicate directly with the party involved via phone calls using their own phone call centers, online Chat, text messaging, and the old venerable standby, emails.
Can't do all that with Roku anymore for a long time! Except for emails. Which is not as good as the the other preferred customer choices for today's ultra fast communications.
