a guy i knew used to say something like “the british are a slave people without the torch of liberty in their hearts.” i used to think it was funny and weird but it just seems more true as time goes on.
I think you only feel this way as you generally agree with the process and "rules" around payment and settlement. Would you feel differently if you had a embarrassing or frowned-upon hobby, or didn't agree with some change to the centralized, public payment system?
I would think we should fund research and studies that deal with why such a hobby is embarrassing or frowned upon, if not illegal. Try to improve society by tackling the problem, not covering up for someone's misgivings.