Ain't just boomers. Anybody with kids, and no existential financial crisis. I just finally managed to cancel an unexamined legacy subscription paid without a thought — after I noticed WTF I have one Adobe subscription, not 3, across 2 cards ... unfortunately the noticing part took like 3-4 years.

Additionally: it seems likely that it was the result of gas station pump skimmers, just because the card in question had never been used for any other kind of transaction.