Consent, then autopilot
The psychologically expensive part is the first checkout. After that, the subscription is a setting. People are not calculating the lifetime value of their note-taking app every Tuesday.
Forget Your Credit Card does not pretend to fix that. It bets that some people will enjoy making the running total public anyway. If that sounds unwell, the board is still optional.
Not advice
This is not a guide to spending less, spending more, or 'hacking' your habits. FYCC is a game with a real invoice. The psychology is just the weather the game is played in.