You don't need to spend $79 or more to monitor your credit. It's a gimmick designed to inflate the revenue at the bureaus. It's not going to prevent ID theft. It may give you a little bit of early warning. But it doesn't matter enough for you to pay that amount of money.
Early termination penalties prevent consumers from voting with their feet when their cell phone company treats them wrong,
A rate is something everybody pays for their service. This is a penalty that is designed to prevent you from shopping around.