It’s insidious because you’re being required to agree to pay for a year of use, split monthly, but cannot decide to cancel during the term of the agreement without paying for use that you don’t want. Just because the terms are clear doesn’t mean it’s not an insidious pricing scheme.
If it were not insidious, it would be easy to answer the question: “what costs for adobe are being covered by the early termination fee?” - but there aren’t any costs, the fee is a punishment to dissuade you from cancelling and hoping that you will miss the window to prevent automatic renewal.
If it were not insidious, it would be easy to answer the question: “what costs for adobe are being covered by the early termination fee?” - but there aren’t any costs, the fee is a punishment to dissuade you from cancelling and hoping that you will miss the window to prevent automatic renewal.