Just returned from a long vacation. Hmm, interesting. BrainKing doesn't pull money from anywhere because the BrainKing account (I suppose that PayPal is meant by "BANK") doesn't use any automatically renewed subscriptions. We used to do it in the past, but it was deactivated many years ago due to some issues.

To be sure, I've just checked the PayPal account. There are eight subscription plans in the archive, and all of them were deactivated in 2009 or even sooner.

In other words, all payments for memberships must be activated by the respective PayPal account owner. And if someone creates a recurring payment, it is their own responsibility to cancel it in their PayPal account.