Earlier quoted context omitted.
I'd expect a charge to my credit card, or a bill. If I didn't pay the bill, I'd expect another bill and a late fee. Eventually, I'd expect the debt to be transferred to a collection agency which would harass me about it for years and report my nonpayment to credit bureaus. If it was a large enough debt and I ignored all of that for long enough, I might expect to get sued. I would not expect to get locked out of my cl…
Try not paying the rent on a storage unit. After a month or so, you'll find a new lock on the door. Go long enough without settling up (read the lease), and they will sell off the contents.
Those are serious consequences, but they're localized to the specific thing or service at issue. You don't lose access to your car because you fail to pay rent on your storage unit. Your house doesn't get foreclosed because your car gets repossessed.