Sticky and annoying...

I've griped about other UI goofiness in Skype elsewhere, but below is an example of a behavior of which far too many programs are guilty: the sneak attack checkbox.  I generally recharge my Skype balance whenever it gets below about $10, but I only want to do so manually.  That way, my potential down-side is limited.  If auto-recharge is on, and I unknowingly do something expensive, it could just keep drawing down my PayPal account.  If auto-recharge is off, my Skype balance will just go to zero, and whatever I'm doing wrong will stop happening and the problem will come to my attention because Skype has broken.  Except, every time I recharge my Skype credit, they pre-check the "here, let me turn auto-recharge on for you" box:

This is irritating for at least 3 reasons:

1. Things that can cost you should, in my opinion, default to off and require an affirmative selection, at least the first time if not always.
2. They are intentionally setting this to the state they want, not the state that they know I have selected every previous time I've gone through this process.
3. The placement, size, and layout of the checkbox dialog is not such that it leaps out at you.  I have overlooked it at least once, and the had to go into my account control to figure out how to turn it off again.

Now, I understand perfectly well why they do it.  Getting someone to subscribe for automatic payments makes giving them more money the default case.  Health clubs and AOL have built entire business models around making it easier to give them money than to stop.  But it is annoying and an abuse of the good will of the user / client, and we deserve better.