> Getting them to stop and getting my money back was an enormously stressful and difficult process.

I've had incorrect subscription charges on one of my cards, and while it was minorly annoying (a search on the card website, fill out a form, repeat one more time the second month it happened) I can't imagine a scenario where it would be "enormously stressful and difficult".

Your card issuer is required to respond when you report fraudulent charges, and if they don't you need a new bank.