The charitable carve-out is the most interesting part of this. In practice, charities rely heavily on passive renewals from donors who forgot they signed up years ago. That's not malicious in the same way a dark pattern gym membership is, but the effect on the donor is identical. Hard to justify the exemption on principle even if the motivation is sympathetic.

also the people who feel strong-armed to sign up to direct debits in the street who have a hard-time undoing them later on.