I live in Europe. Say you sign a contact with an internet provider for a period of 2 years. You pay each month in advance. If you stop paying, they will turn off your internet (that you already paid for, in advance for next month). After a few months of not paying, they will apply the contract clause which will cancel the contract but also charge you for getting out of contract. You can decide not to pay ever and the ISP won't sue you or send your issue debt collectors (not worth it for a few euros and also bad PR for being aggressive) but instead they will wait...and in the future you might move to another town or just a different neighborhood that only has internet services available in the area from THAT specific ISP. You won't be able to sign a new contract untill you have paid what you owed (they don't apply interest). At least this is how it goes in my country with subscriptions.

Using a card with no money on it would have the same effect of not paying. You can even remove the card all together from their payment app. Heck my bank allows me to generate new virtual Visa cards that I can use and then discard.

They aren't your friends. You might think so, but they don't.

They said they bought it from a guy on the street and the guy said it's fillet mignon.

I'm going to make a reenactment of the dialogue:

Client: is this fillet mignon?

Seller: Umm..yea, sure. Why not!