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 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). 🤔 
 As a general rule, the riskier the payment method, the higher the premium.