I'm surprised that nobody mentioned foreigners or children.
As an immigrant, it's not possible for me to get a credit card, only a debit card. When I was under 18, it was also very difficult to do online shopping (I just made Christmas & birthday lists and asked my parents to eBay things for me then).
Every time I change country, which has happened 13 times and counting, I lose access to whatever services I had enjoyed. Subscriptions have really messed me up. For example, my bank accounts at UBS and the Swiss Post Office started charging me monthly fees after age 21. I didn't know, until my parents got nasty letters to their address telling me I was overdrawn. I hadn't used the accounts for 3 years, and when I left, they were free, so I didn't think to close the accounts. I had to pay to bring the account above zero just so I could close it. Not to mention phone subscriptions, Internet bills, rent, etc.
The lack of a stable home means I can't subscribe to Spotify. This pushes me towards the few pre-paid models that are left. I have MP3s that work offline with no need for cellular data. When I finally do get a chance to pay (e.g. a band I like is playing a show on the other side of the country), I make a huge effort to go there, buy their CDs, t-shirts, and everything else so I can support them - because that might be the only chance I get to pay them. Having been to over 300 concerts, I actually think I'm a bigger fan than most passive consumers, even though I'm excluded from the business model that record companies like. I feel like artists make more money from touring than ads/subscriptions, but I have no data to support that feeling. If there were a way to support journalists/programmers like touring bands, I think that could provide an alternative source of revenue.
You can get pre-paid/secured credit cards in a lot of countries (especially if Capital One operate there). Unless you're moving every 6 months, you should have enough credit history to land one CC with a tiny limit: then you set up automatic payments and let it mature.
May I suggest setting up a project board when you move with stuff like 'update address for <SERVICE X>' & clone all the issues when you move? Helps to avoid accounts getting closed for missed payments at least.
As an immigrant, it's not possible for me to get a credit card, only a debit card. When I was under 18, it was also very difficult to do online shopping (I just made Christmas & birthday lists and asked my parents to eBay things for me then).
Every time I change country, which has happened 13 times and counting, I lose access to whatever services I had enjoyed. Subscriptions have really messed me up. For example, my bank accounts at UBS and the Swiss Post Office started charging me monthly fees after age 21. I didn't know, until my parents got nasty letters to their address telling me I was overdrawn. I hadn't used the accounts for 3 years, and when I left, they were free, so I didn't think to close the accounts. I had to pay to bring the account above zero just so I could close it. Not to mention phone subscriptions, Internet bills, rent, etc.
The lack of a stable home means I can't subscribe to Spotify. This pushes me towards the few pre-paid models that are left. I have MP3s that work offline with no need for cellular data. When I finally do get a chance to pay (e.g. a band I like is playing a show on the other side of the country), I make a huge effort to go there, buy their CDs, t-shirts, and everything else so I can support them - because that might be the only chance I get to pay them. Having been to over 300 concerts, I actually think I'm a bigger fan than most passive consumers, even though I'm excluded from the business model that record companies like. I feel like artists make more money from touring than ads/subscriptions, but I have no data to support that feeling. If there were a way to support journalists/programmers like touring bands, I think that could provide an alternative source of revenue.