That only takes care of *you*
The big wins are in the numbers. Much like how annoying frog animation outlet jamba makes shedloads of money for being as hateful as they can. This is how it works: Get punter to sms consent (for one), stick in the small print it's really a monthly subscription (even if nothing else is ever delivered, though what better than to have pay the punter for delivery of spam?), and make sure the charge is small enough it's not worth the hassle to have punter take action, provided they notice at all (who reads their monthly statements entirely?). Made them some seven figures, last I heard.
If you don't think this is convincing, consider the oyster card, or rather the dutch version: It comes in a ``subscribed'' model (automatic top up means they basically get free access to dip into your bank account), and an ``anonymous'' model.
If you want to remain anonymous, never ever use a bank card to ``charge'' the card. That means a sack of coins because no charge automatons allow you to use paper. If anything goes wrong, even some glitch checking out, they charge you the maximum fare. Want it back? Fill in this form, with... your name, address, bank account. They never give back cash, they insist on depositing it into your bank account. Do I get to use an anonymous bank account? Heck no, those don't exist. How anonymous is this card, really?
It's that sort of designed-in systemic failure that I find highly offensive exactly because it seems cynically built to track you as much as possible. Oh yes, every time you swipe the card across a reader it leaves a trace that must be retained for seven years. Why? Because they were too lazy to design around the taxman's rule that every transaction must be retained for seven years. Or maybe it was on purpose.
The thing is, yes you can fight it, but there's a limit on how many things you can feasibly contest, so they simply design their systems such that nobody is going to bother, instead creating meek complyance with the abusive setup even though it's clear as day the system could've been made to work in a customer friendly way. That, however, doesn't fit with the ``the customer is always a cheating criminal'' mindset so ubiquitous with system designers.