The principle should be that it shifts the problem to payment providers who can be switched out for other payment providers seamlessly. The providers are motiv

The principle should be that it shifts the problem to payment providers who can be switched out for other payment providers seamlessly. The providers are motivated to behave ethically because you have the option of going elsewhere. Paying with crypto is still not very usable but you can still do it directly which limits the degree of extortion that can be applied. I think it will get better as it ceases to be 'interesting' and people develop tools that just work rather than try to revolutionize your life.