Why do I get charged a cancellation fee???

Why do I get charged a $19.99 cancellation fee?? i'm out of a job because of COVID-19 my job was shut  down. I'm not receiving unemployment or any other type of pay. I thought I canceled this like three months ago but apparently it's still been charging my account. I can't afford to pay the monthly fee LET ALONE the cancellation fee on top of that?! I plan on getting it again in the future, but not with these stupid rules. I don't even have enough in my bank account to cover both of those fees, so it's going to overdraft my account... what am I supposed to do?? Anyone have any advice or maybe can help a dumb girl out 😭😭