Even if you try selling direct, your payment processor takes on this role, with varying degrees of trigger-sensitivity.

I agree but I hate payment processors sometimes as well and they feel very rent seeking in nature (akin to amazon) to me as well, I definitely wonder if stablecoins with good on/offramps or proper VISA support might actually help the end citizen but I am a bit worried because Stablecoin's on crypto and most crypto's really scummy so I also don't want to give things like this way too much attention.

Time will tell perhaps