You're talking out of your ***. WoW back in 2005 (When I started) required a VALID gametime card code, or credit card info.
Same as every other major MMO I've played. As others have said...you don't billed, unless you have no CC, then you're required to purchase a GTC (Gametime Card).
Once again..this is standard. If you don't like it, go away....please spare us the drama. This thread just shames YOU, not Bioware or anyone else.