Meta's Muse AI personal agent can help consumers identify and cancel recurring subscriptions, which could weaken the subscription business model that benefits from consumer inertia. Stanford University economics professor Neale Mahoney noted that consumer inertia can roughly double sellers' revenue. Apollo chief economist Torsten Slok analyzed that AI agents could automatically sweep household cash into accounts paying 3.3% to 5.0%, instead of the 0.1% national average on checking accounts, potentially causing banks to lose a large share of cheap deposits. Data shows nearly half of U.S. consumers increased their subscription spending in 2025, averaging $1,887 annually, with a 7.7% year-over-year increase in July. Subscription management service ScribeUp reports its users are 1.8 times more likely to initiate cancellations than a year ago, saving them over $300 annually on average.