I would blame this on a badly designed system rather than deliberate attempt at DRM.
i.e. Product owner goes to dev: We want to make sure that customers always have a valid credit card on file so that when they go to purchase it doesn't distract them (etc, etc).
Dev makes it so that you can't do anything with the website until you've updated your expired credit card.
i.e. Product owner goes to dev: We want to make sure that customers always have a valid credit card on file so that when they go to purchase it doesn't distract them (etc, etc).
Dev makes it so that you can't do anything with the website until you've updated your expired credit card.