"Ghost" or micro-subscriptions are tiny recurring charges — $2.99 here, $1.99 there — that slip past monthly budgets because each one seems trivial. Merchants and app stores favor low-price frictionless purchases because consumers mentally discard small numbers (the "pennies effect"). Over time these micro-payments compound into measurable drain. A consumer-friendly habit is to run one monthly pass over statements (or use subscription-tracking apps) to surface recurring charges under a set threshold. Another tactic is to check payment processors tied to streaming and app accounts — people often forget subscriptions attached to app stores or phone-billed services. This lead-in frames why micro-payments matter: they're not morally wrong, but they add up and are easy to overlook. The question asks for the best practical description of a "ghost subscription."