You would be surprised how many companies don't even have something fundamental like a custom SSID and password, or a backup, etc.

After making the comment, I realised that stockbrokers need full KYC anyway.

You can use OTP codes without a phone, since you can buy OTP keychains. Which don't require any form of internet connection, same with the physical Passkey's.

For porn and games etc. that should be enough yes, but for online gambling, opening stock market accounts etc we do need actual verification, but there are tons of methods of doing it so that the site only gets a true or false (18 or above) and the government gets obfuscated URL's so that the government doesn't know what you visited.

Well pretty sure local laws here say that certain data should stay within the countries borders (like data from accounting firms) so I hope they also encrypted everything to prevent this carrot from accessing it.

Maybe Proton could have done more, but maybe not on the other hand the ISP is also wrong for supplying the name that goes with the IP. (yes I know that's deflection, but still).

I personally feel like we need to find a middle ground between personal privacy and being able to stop criminals/terrorists/fraud etc.

Well, banks here in NL have been using VISA and Mastercard cards, but that is more so people can use them in America/Canada and some other countries which are still behind on chipped cards.

But over the years I have seen 40-50 different payment platforms and most of them do not use Visa or Mastercard.

I prefer the free version at least, it responds quicker and in my experience the quality of the responses is still decent.

And wiretransfer is expensive af to and from the sepa banking system so you can barely pass it through Europe.

JCB is Japanese so idk why we get it here in NL. It’s also not a credit card company they just issue them

I have seen like 40-50 different payment platforms over the years and different methods of paying which all don’t require a creditcard (I haven’t had one for years due to having one causing issues with getting mortgages here in the Benelux) So I would assume that countries like Canada and the US would have more options as well in the end they are rich and developped nations.

It is about the law, though. Proton has always been clear about the possibility that they are required to hand over data if the Swiss government requires it: https://proton.me/legal/transparency

So IDK where you are getting that they are saying one thing and doing another thing and even more important where you got that they shared ENCRYPTED data. Cause if they have the ability to even do that I have to rethink my choose since that should be impossible if Proton did it correctly and are trustworthy.

Businesses are better of not using Paypal or Creditcards, both of the are a hassle and cost more time to process than a digital pin transaction or an old school bank transfer.

You have to use what is available in your country, a lot of countries have their own payment platform and they are being consolidated into one Wero.

As long as people keep using Mastercard or Visa they will have this power.

Well I am in The Netherlands and the top one (iDeal) is a Dutch exclusive, I can understand that you don't have those in Canada, but there should be other options right? Maybe contact support?

Otherwise, order gift cards online from somewhere or does that also go through Visa/Mastercard? Even then indirectly doing it is still better especially if you support a local business doing it with gift cards.

There is a bit of a conflict between the laws requiring certain companies to identify their clients and GDPR in basis, but there is something in GDPR that allows these companies to still collect the relevant data and use it or to verify the data and not store it depending on the use case.

The whole use case thing is even the reason why companies are allowed to collect data from you. You couldn't get anything delivered if this exception wasn't there, because they wouldn't be allowed to progress your address.

At least that's what I gathered from the Dutch implementation the AVG, when I last read it a couple years ago.