Doesnt matter who the company is. There is no immediate value for the yearly, until you pass certain period, which you will see the value.
For example, gamepass has 3 year plan, for $180. You will be saving $360. But your actually savings for that, would start after that 1 year. Essentially, you are waiting 1 year to see your actual value.
So technically, its not worth it, unless you want to save money, and you are 100% sure, you will be using that service for that duration.
This is the way companies use to get people locked in to their ecosystem. Why do you think MS doesnt close that 1 year loophole for gamepass? Simply because those users cant cancel their subscription service until the last day for their subscription. Meanwhile, those users would act as numbers for investors.
As for paycheck to paycheck people, the yearly option is bad for them, as that money would help them cover some of other utilities. One of the key reasons, why I didn't hop on gamepass loophole step. Anything can criple me, and I need the money to fix it.
Just this week, I had to pay $250 to fix the flex pipe in my car. You can get issues like these anytime, and you need the money to fix it.