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It's your call, but you ought to understand that you do so at your own risk. The law certainly does not give you any entitlement to unilaterally decide whether a fee is payable, irrespective of your personal circumstances.
Absolutely agree. You have agreed to pay a fee of up to $15.00 should a bill not be paid by the due date. It was your decision to enter into an agreement with a Service Provider who chooses to charge this fee.
I am aware of at least 1 other service provider that A) requires Direct Debit and B) will immediately suspend your services should the charges not be paid by the due date and C) charge you a reconnection fee for those services.