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She probably has a contract. you can not just stop paying things because you don't like it anymore, you have to follow the terms of that contract. Otherwise every payment you skipp is a debt to the other party and hey can sue you for breaking the contract and for backpay of the payments you skipped.
In your example with netflix, the contract you enter into when signing up for their service specifically states, that you can leave it monthly and Netflix lets you do that by not paying anymore.
This is part of Netflix's concept as a service provider and doesn't mean its the same in other services.