I think if you were the target (or initiator) of legal actions that don't involve criminality on your end but do involve discovery, you would think a lot differ

I think if you were the target (or initiator) of legal actions that don't involve criminality on your end but do involve discovery, you would think a lot differently about pseudonymous payments, and potentially encrypted communications. Speaking as someone involved in three active civil lawsuits, trust me when I say criminality is not the only reason to hide things. Being subjected to the discovery process where adversaries can uncover things about your personal life is an experience that will change most peoples' feelings about all things privacy.