> Furthermore if I ever stop paying, I will lose access to the product.

Wow, not even a perpetual fallback license?

I wasn't super thrilled when Jetbrains switched to a more subscription-based system, but being grandfathered in (so I didn't have to restart the subscriptions as if I were a new client), the heaps of existing goodwill they'd built up, made the changeover much less of an issue, and super importantly finally listening to customer and adding perpetual fallback licenses alleviated much of the fear.