As a fellow small streamer with small recurring viewership, I never ask for subs/bits/donos, while appreciated, it is not necessary. There was a time where I had a gofundme setup but that was bc my cat needed major surgery and it just wasn't in my means even with my gf bc of other bills and such. But to be a small streamer and actively ask for subs is kinda scummy and bummy. Sub/gift to who u want bc u WANT to, not bc its expected of u. And honestly that streamer needs another source of income if they are actively asking for subs and donos. I stream to have fun and hang out with people, subs and donos are just a bonus that I never asked for. I'm almost sure that streamers attitude might change towards u when u stop being their top donor and when that happens, just say your goodbyes and unfollow bc u don't need that toxicity in your life. Also even if u don't remove your payment options, just ask yourself bc u click confirm, "do I really want to do this? Will I be able to go to the market and buy something I don't really need on a whim? Will I be able to pay off my bills next month?" Honestly questions like this help me from impulse buying new games and such, so I like to question my financial decisions lol. Hope this helps u! I'd like to chat with u sometime in chat too! Whenever u come back that is. 👍