I’m guessing you’ve never been poor. For people living in poverty, finding $100 for a one time purchase is extremely difficult - much more than say finding $10 per month. Finance options are notoriously predatory and expensive. Plus if it only lasts a year then the amortized cost is about the same as the hypothetical cheap service.
Thanks! Exactly, this is what I was trying to tell: Its the barrier of accumulating the "once a time payment" in that volume, because methods for savings are not applied (for several reasons, unregular income, too low income, debt, drugs etc.)