A lot of services don't stop the day payment wasn't received but try for weeks to follow up, be automated or manual. In our (small scale) B2B SaaS we give benefit of doubt and the last thing we want is to stop access, which might break some production system on the customer side. I'm more concerned about the "I don't even bother". Some companies might hide their unsubscribe feature, that's frustrating, a lot others make it super easy.