While those that pay for health insurance and don’t need it help pay for those who do, those that don’t use it are inclined to keep it because they know that if they need it, it will ultimately be worth it.
If you cancel MoviePass and then decide to go to the movies anyway, it’s unlikely to bankrupt you.
Maybe they signed up and used the service early on but then stopped going to as many movies but never got around to canceling.
Still, the health insurance analogy doesn’t exactly fit perfectly.