It's not "blaming the consumers" for expecting people to follow the terms of contracts they sign. I never had a Gold's Gym membership for exactly this reason - their cancellation terms were onerous, I wasn't interested in complying, so I never signed and never gave them any money.
If you say "well, I don't want to do that, but I'm just going to sign this anyway then do a chargeback because that's easier" them yes, you deserve to be blamed, you deserve to be shamed, and you should have to pay the cancellation fees, early termination fees, whatever.
I'm comfortable with taking on the risk of not fulfilling my end of something like a gym contract, provided the mechanism to remove third parties like payment processors.