This isn't a solution and doesn't excuse Adobe's shitty behavior, but I use privacy.com which gives you single-purpose cards. That way, I can just pause the card and subsequent charges will fail. Then let them try to get their money. Pull-based payments are such a bad idea, implemented even worse. Privacy.com at least gives you per-merchant controls and limits, even though this really should have been a Visa default.
When my car + homeowner insurance renewed, it had a special section about how Lexus Nexus had lowered my insurance score, which is partially based on my credit score. Cost me several hundred dollars extra in insurance premiums.