There’s a bit more to it than this. If you run afoul of the big payment processors like Visa and Mastercard, you may find it difficult to even pay for the stuff you mentioned (or get paid).
The ideal of companies being able to refuse service makes sense from a freedom perspective but in reality we have a handful of very skewed markets, and there is often no “municipal alternative” to support those who have been blacklisted.
So the solution is to create those “municipal alternatives”. Constitutionally guaranteed electronic money account and ability to receive and send money, constitutionally guaranteed access to internet, email, and identity verification services, provided by the government.
And any abuse should be prosecuted by the government.
The ideal of companies being able to refuse service makes sense from a freedom perspective but in reality we have a handful of very skewed markets, and there is often no “municipal alternative” to support those who have been blacklisted.