I'd add a "4. Payment providers often follow the political and social trends of their host country, like Paypal/Visa/Mastercard/etc blocking payments to journal

I'd add a "4. Payment providers often follow the political and social trends of their host country, like Paypal/Visa/Mastercard/etc blocking payments to journalists or other groups when the US State or Justice Dept. doesn't like it." Unfortunately the only way to get around this is with distributed systems of value exchange. And those have lots of friction.