AND if you are 12 seconds late with a payment, they shut down access to all software.

I had a REP payment (I have them automatically hit my credit card) that 'bounced' because my card was compromised requiring a new one.  Yes, my fault for not updating the payment method.  BUT, after 30+ years of ALWAYS paying on time I would have expected a grace period?   Or maybe notification?  Nope.