You have to pay if you want to stop a year’s commitment early. Iirc you have to pay half of what you promised you would pay them over the year. So if you changed your mind it’s cheaper to cancel than to continue paying for the months you have left.
If you sign a contract agreeing to their terms (and receive a discount in exchange) you have to follow them. The same goes for any other contract where you have a year’s commitment like for an ISP. It’s all pretty standard.
Is it annoying? Yeah obviously but they make it pretty damn clear when ordering that it’s a year’s commitment and that you receive a discount. Any reasonable individual should be able to figure out why you get a discount.
They won’t. For some reason you are only allowed to like a single civ game and you must hate every sequent game.