[carlosjobim]

If you find businesses who are willing to let you pay by other methods (assuming you are unwilling to use both cash and credit cards), you can give them your business. Businesses respond to consumer demand.

If they don't trust you enough to give you credit without a guarantor like Visa or Mastercard, then I don't think there is any way for you to force them.

There are businesses who let you purchase stuff online by bank wire.