Easy choices tend to charge interest. Hard ones usually come prepaid.

Difficulty is not removed by avoiding it, only moved, and moving it forward makes it grow. The comfortable option leaves a small unresolved amount behind each time, and those accumulate into a situation you have to deal with anyway, larger and later. Paying at the point of decision is the cheapest rate available.

When two options are in front of you, notice which one you are hoping will resolve itself. That is usually the one to handle now, today, while it is still small. The discomfort is real, and it is a single payment rather than a subscription.