Instacart Express was a free trial until very recently - no one was charged for the service. When Instacart starting charging the $99 fee, they also sent out the email (which apparently didn't reach anyone?) and changed the policy such that it made sense for the company while also providing that people could opt-out on the new conditions. I agree 100% they shouldn't be changing the policy if people had paid for it (e.g., breaking the contract), but in this case everyone was getting a free service.
Then they shouldn't have auto-charged the $99 under the new terms - they should have had the users opt-in to the new service since it was different to what they initially signed up for.