An Adobe executive described the company's early cancellation fee as "a bit like heroin for Adobe." That quote sits in a federal court filing. The FTC sued Adobe over this exact fee in June 2024, and a judge signed off on a $150 million settlement four months ago. The trap is the plan name. "Annual, paid monthly" means you signed a 12-month contract that happens to bill in monthly installments. Cancel in month 3 and you owe half of every remaining month, all at once. The disclosure lived in…