carl
Your points may all be valid. But for me the fact is that my bank (or rather my bank's credit card processor) decides that using a FIDO2 key (purchased from the bank!) isn't secure when used from a browser on Linux. So I don't have a credit card as an option. Simply because I refuse to use the other operating systems for my privately owned devices. Curiously for similar reasons that made me choose Kagi 😉
But all alternative options also come at a premium, as I see it. Professional at 10 instead of 9 $/month. Not much, but it's still worth more than one extra month.
Even though I would happily pay ahead of the upcoming year and make it recurring from my end, there is no such option. Not even via Paypal. So in the end everyone who is forced into one of the inferior payment options pays extra.
Mullvad has figured it out. They show you a number which corresponds to your account number and you simply wire money (via SEPA) to a predefined account giving this number as a reference. Doesn't exactly seem like rocket science to me ... or brain surgery, if that's more up your alley 😉
PS: the invoice gives a UK VAT number and UK is part of SEPA ...