let me use chicken rice analogy here:
scenario a: I pay a large fixed sum to one chicken rice stall
and I get to eat from it anytime I want for a certain period.
But if I don't eat, still have to pay.
scenario b: I just visit any chicken rice stall when I feel like
eating chicken rice, kay chap stall when I feel like eating kway
chap etc. And if I don't eat, I don't need to pay.
scenario b offers more flexibility and variety 
v
but scenario b quality assurance may not be there wor and
cleanliness may be suspect + increased risk of health risk
(infection).
scenerio A might also be able to provide
personalised/individualised service and services. And also A can
provide a certain social status/statement.
Av just confessed to homosexuality 
