Well i'm from Germany. You can't just stop paying and they can't force you to listen to their pleas.
A simple informal email is enough to cancel most anything.
You can always get back money that was withdrawn from your bank account (probably a SEPA thing) and as long as payments are in dispute (you have to disagree with wrong invoices in writing) they can't charge you extra.
Yes, my takeaway here is that the wealth gap in Canada is not as bad as in the USA (assuming that the median income barely increased in both countries)
Laziness is anticapitalistic. There is nothing wrong with not being an overachiever.