When they finally returned my money two or three months later I cancelled the account.
Similar story here, but I never bothered to unlock the account because they were obliged to return my funds within 6 months by law. It still even exists, I can't close it without unlocking even though there is no money on it. All mail about new rules goes straight to spam

nonprofit
without political bias
Even allowing anyone to use the service for any purpose would be considered "political bias" these days because it reinforces existing power structures over the march of progress

The West is literally becoming "you are against the Nazis or you are with them". And perhaps for a reason too - ideas which ten years ago were confined to irrelevant blogs and obscure Internet forums are making it into comment sections of major websites and campaign speeches of (certain

) presidents.
My own computers run Linux, funded by both non-profits and companies alike (especially by employing long-term developers). This model is very far from perfect, but it works better than the gigacompany model Apple, Microsoft, eBay, Amazon, PayPal, etc. are implementing.
Hard to argue against your comparison with Microsoft these days

As for Linux, the corporate involvement sorta works because many of these companies are actually Linux users too or Linux system vendors so they care about keeping it usable. But there are others, like vendors contributing to Linux in order to sell their product, who churn out minimum effort crap, solutions too focused on their narrow area of interest, binary drivers, or somewhat user-hostile solutions which happen to be convenient for hardware vendors.
So, fundamentally, I'm afraid there is no escape from the old rule: do it yourself or pay somebody to do it like you want it done.
If you are lucky, you may find others with similar needs (like in open source software) or vote with your wallet.
Which brings us to an online payment solution which I actually like and vote for myself, and that's bank transfers.
It may sound unimaginable to some folks, but in most of Europe you cannot simply withdraw money from somebody else's account knowing only the account number. Yes, this implies that checks are virtually nonexistent here and so is check fraud. Oh horror

So plain old wire transfers to a publicly known account number were the preferred method of payments like 10 years ago and still are used widely. Nowadays, banks also introduced "instant transfers" to business accounts within the same bank with the extra convenience that the business can submit payment details to the bank's system behind the scenes and the buyer only logs in to online banking and confirms. Furthermore, a number of payment processors appeared who offload dealing with all the different consumer banks from the merchant. There is no buyer protection or refunds, but these can be provided by auction sites.
So that's how it works on our local eBay clone and on AliExpress. It's fast, takes little clicking on the buyer's side and is inherently safe because at no point is any external party able to drain my account. If eBay manages to integrate it into their system, I may start using them. But with PP and CC, no way.