Yes! And I fully understand that, this is actually about my little brother. His job is seasonal and late fall/winter is an off time for him. He was trying to buy some Christmas presents and didn't want to put cash into his account because Youtube was trying to auto-bill him --
Hey @Google, @GooglePay, and @TeamYouTube: How come it's basically impossible to cancel a YouTube Red subscription and delete a payment method unless you replace it with another? Also why can't I disable automatic payments?
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Our YouTube Premium and purchases support can look into this further. Get in touch here: https://goo.gl/C2p95u . Thanks.
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