Yes, that's right, bitrefill doesn't use a centralized intermediary and wallet-to-merchant-wallet payments are not regulated yet (nor is there a timeline yet).

I use Bitrefill often myself, but it's not very convenient and unfortunately there aren't many e-shops there. But yeah, vouchers and cash... those are our last methods of maintaining privacy in the context of payments in the EU.

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a sad state of affairs for sure. what would it make more convenient for you? what merchants you'd like to see for your country? i work there so i can shill some ideas & suggestions internally.

shopinbit.com - and you can use Monero.

Also XMRBazaar (you can put your ads/orders to get something)