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In recent years, much of my life, as a consumer has shifted to what I like to call background spending. As I’ve subscribed to more apps and streaming platforms, significant sums of my money tend to slip away each month without my ever thinking about it.

Think of it as automated trade. Spending without the trouble of spending. Acquisition without action or thought.

But while this flood of subscriptions was sold to me on the condition that it would make my life more trouble free, there was a certain shock I felt upon discovering how much I was spending without realizing each month ($179.45).

You see, the thing about background spending is that it tends to happen, well, in the background without your full attention. And there lies the point.

“Hand over your credit card details and let us take care of the rest,” these companies promise us. But by agreeing to this trade, we’ve become lazy passive consumers. And this laziness breeds more laziness because most of us can’t be bothered with conducting regular reviews of our subscription spending. We’re too lazy to even notice or cancel!

I know it’s not just me who is suddenly living life as a smooth-brained subscriber. The average consumer spends $273 per month on subscriptions, according to a 2021 study of 2,500 by digital services firm West Monroe. Not a single person surveyed knew what his actual monthly spending was.

It’s understandable why this model is so attractive to businesses. As companies questioned traditional advertising models, subscriptions offered the promise of “selling once and earning forever.” And while subscription services have been around for decades (think Wine of the Month Club), more customers have been willing to sign up thanks to the widespread availability of smartphones and the increasing ease of home delivery.

While these subscriptions promise ease and happiness, not all of us are satisfied. Last year, the Kearney Consumer Institute found 40 percent of consumers believe they have too many subscriptions. Almost half of us also think we pay too much for streaming video-on-demand subscriptions.