So you individually sue them after they fail to make good on their claims.
Yes or as I stated earlier and is far more common, you can stop letting them have access to your financial account.
No, I really can’t see why that is a comprising position. This is how every business in the US operates. If a company defrauds you have to take it up with the company, (not likely to work if they are acting in bad faith), your financial instution or in a court individually or via a class action. How does this put you in any more of a compromising position than if you your internet stops working and continues to bill you for it?
The worst that could happen is you have to get your bank or credit card to stop paying them because they don’t live up to their end of the deal. While there is risk involved with giving companies access to withdraw from your bank account, there are also safeguards built into the system that can be used. All banks and credit card companies have ways to mitigate fraudulent billing. That is in addition to the option you always have of taking them to court.