I want an option, as a consumer, that disables the ability to sign up for anything that has recurring billing.
Yes it's possible to have no credit card at all on file for your itunes account (though they go out of their way for you to not realize that), but sometimes you may want to actually pay for an app too.
> Yes it's possible to have no credit card at all on file for your itunes account [-] though they go out of their way for you to not realize that
Funnily I tried to give apple some money through the app store but made the mistake of signing up with my German credit card when living in LA and was lost in a "we cannot accept this German CC with a LA address"-limbo and never was offered a way out. So I now have a crapple account that one cannot put money into without some apparently lengthy verification process and I therefore can give my app store credentials to friends who just need some xcode update :D
Yes it's possible to have no credit card at all on file for your itunes account (though they go out of their way for you to not realize that), but sometimes you may want to actually pay for an app too.