I think that in europe this is less of a problem because european banking does not depend so much on direct-debits. But, on the other hand in Czech republic alm

I think that in europe this is less of a problem because european banking does not depend so much on direct-debits. But, on the other hand in Czech republic almost everybody uses service called SIPO (acronym translates to something like "Centralized direct-debit for citizen's payments") which works as additional virtual account for direct-debits which you can associate with whatever account you currently use (or even not associate to anything and get invoices in mail) without notifying anybody else.