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Not that you have to nanny people, you don't, but how costly would it be to set up an automated reminder to people that the Paypal debit they arranged and agreed to is coming up? Like the reminder you send that our annual subscriptions are about to expire?
You might weigh the headaches of setting up such a system against the headaches of coping with these people that make the claims of unauthorized charge, and see which gives you less pain.
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