I tried it few years ago and I agree with you. But it feels like the payment method is a single point of failure.

My bank would probably raise a red flag if they see email transfers (canadian payment method) to a bunch of people everywhere in Canada and they would probably want to audit my income tax reports (big pain in the ass). 🤔

A solution could be to pay with gift cards purchased with cash (Some of them accept it). 🤔