[Aachen]

I don't mind transferring euros to a bank account, it's more about american systems doing fraud detection and deciding I can't pay with a german address and a dutch bank account (stripe illegally (https://www.acceptmyiban.org) rejects that for example, can't pay for DeepL...; or paying for food with a german credit card and Dutch IP because my mobile data routes through NL, also gets rejected), german credit scoring being mandatory to force a "pay later" scheme on you when you just want to pay up front (involves either phishing you or validating your phone number), paypal simply having a broken UI that goes "something went wrong", etc.

Everyone with a bank account can transfer money online, merchants just need to accept it and not try to use dumb schemes that charge extra fees on top of the bank fees to "support more payment methods", that's my problem...