Hey kid. Did you hear the latest thing? No? But it's amazing!
It seems you don't actually have to give Microsoft, or any other company, money, if you don't want to use the services. You cancel your subscription and you keep your money. Yeah i know.. amazing eh?
It's like the same thing with buying things at your local supermarket. If you don't want certain products, don't put them in your cart and don't pay for them.