we can do that.
In the subscription case for example I think this will be handled by wallets. Not the recipient manages the subscription and pulls money (what happens with card payments)
but the sender’s wallet manages the subscription and auto pushes money.
These are things we plan with Alby. zapplanner is for example an early  experiment of that.

but I also believe in other business models that become possible because we can  automate p2p payments.