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Yeah, a very interesting read. I've never even considered prepaying in advance on utlity bills or streaming service for category spend or SUBs.
Outside of Auto Insurance it simply didn't occur to me. Though when you think about it, Netflix @ $12.99 only earns $7.59 based on that 5%. So one isn't going to go out on the town with that Money. lol You'd only see a big payout on Cable bill, where it's around $100-150 per month.
I wouldn't have aproblem paying Netflix a year in advance, but I'm not too keen on paying Charter that much Money up front.