This is going to be the year you get in the best shape of your life. You sign for a year, and the automatic bank draft begins. You go each week for two or three weeks or maybe even the first couple of months. You miss a couple of weeks and then you miss a couple of months. Eventually you return with the intention of really buckling down. For most that never happens.
You admit defeat so you attempt to cancel. There is an expensive cancelation processing fee. There are just a few months left, and you rationalize that it is not worth the hassle of trying to terminate the contract so you do nothing. You cringe when you look at your monthly credit card bill and see the card charged for the service you did not use.