Is there a reason why you think that there is a need for a more conventional kind of service?

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I mean either I have the money AND want it to be paid to this content provider OR not.

@brangdon, may favours businesses but its to prevent fraud, and its possible to cancel it, i have explained upbove. But you have to contact the provider to cancel it. do it before funds are deducted and it will refund the full funds, the provider may ask for additional fees in advance in order to refund it though.

At the highest level, simply because it is conventional. It is a service that has proven itself to be useful and viable over many decades, and it is what people will expect. To be slightly more specific, I think users will want to have control over their finances. Ideally more control than a bank gives them, not less. Isn't that what crypto-currencies are about?Allowing someone else to take money directly from your account is a scary thing. Users won't allow it unless they feel comfortable with it, which means it needs to safeguard their interests and give them control.That's an argument for having the money when it is due to the merchant. It's not an argument for being required to have the money weeks before it is needed.Let's say the debit is 500 NXT for rent, paid on the 3rd of each month. As long as I have over 500 NXT in my account on the 3rd when they make the debit, the landlord should be happy. Let's also say my salary is 1000 NXT/month and my other living expenses total around 450 NXT. As I understand the proposal, the balance of my account will vary between 500 and 1500 NXT. That's not how many people work in the real world. Instead, they let their balance drop down to around 50 NXT during the month, then at the end of the month their salary gets paid and their balance goes to 1050 NXT. Then the rent debit arrives and it drops to 550 NXT. Then they spend their other living expenses and their balance drops to 50-100 NXT again. Some people even go overdrawn! If the debit was made then, it would fail, but that doesn't matter because it won't be made until the 3rd. The user knows their salary will be paid at the end of the month, before the debit, and it will all work out, and they won't default on their obligations.What if the provider refuses?Lets say the debit is for bandwidth, and I expect to use 50 NXT/month but want to allow up to 100 NXT/month for extraordinary circumstances. And let's say the merchant takes the full 100 NXT even though I didn't use that much. I want to be able to cancel. I want to be able to cancel now, as soon as I notice the problem. Asking the merchant to cancel for me isn't going to cut it, because it's the merchant that I am in dispute with. As I understand it, if I try cancel myself, the next payment goes out anyway, and I lose another 100 NXT. That's adding insult to injury.The bank direct debit system makes a big deal of how the bank sits between the merchant and the customer and can resolve any disputes that arise between them. The bank basically guarantees to repay to the customer any money taken that shouldn't have been. In a crypto-currency there is no trusted middle-man who can guarantee the transaction. This means it is even more important for the customer that the algorithm have safeguards against dishonest merchants. The most basic safeguard is to let the debit be cancelled by the customer, unilaterally and instantly.If the merchant is worried the customer will build up a big debt and then cancel, they should arrange to take the money in smaller, more frequent increments. Perhaps some could be taken in advance rather than in arrears. I'd rather pay 50 NXT now for next month's service, than have 50 NXT sitting in my account that I'm not allowed to spend.