IMO, Lina Khan was maybe the best appointment of the Biden presidency

Hard to disagree with. But then Harris did a bunch of backroom deals as part of her presidential campaign with an eye towards throwing Lina under the bus.

Unfortunately the click-to-cancel rule was struck down by the Court of Appeals

One of the more obnoxious consequences of our modern fascist turn is witnessing the role of the judiciary in theory versus practice. Identify and punish obvious predatory billers and scammers? Totally outside their scope or purview. Gut even the pretext of an administrative regulatory state? No problem.

You’re right that the legislature needs to do their job and formally outlaw these practices, rather than having this be brought up by the FTC and struck down on a procedural matter.

But we're still back to the question of "Who does the enforcement?" Clearly not the CFPB. Clearly not the SEC or the FCC or the FTC. Clearly not the DOJ. Clearly not any state or local DAs office. Nobody is doing this work, even when they are fully empowered to it. Because if you try to challenge a powerful private entity, a bit of money changes hands and you're fired.