I don't know the auto renewal you are referring to in this regard because if you're using the bank, it's not anyone's function to make use of your debit card, you engage doing everything you do by yourself, it's all happened through your authorization and initiation, while im using bitcoin, these protocols are not controlled by anyone, they were made available on the blockchain and cannot be altered by anyone, if you're making a transaction, spending or receiving a coin all work by the blockchain technology consensus, any other contrary opinions are rejected by the system, isn't it more better that you enjoy decentralization and privacy with bitcoin than using fiat, nothing like auto renewal with bitcoin, you don't have to pay for a service, wallet or the blockchain technology, everything works in consensus to the protocols, remember this is digital currency we are talking about.