Why limit yourself to just payments
You not limiting yourself, you just use what you need and drop all unnecessary. For most of the merchants only simple payments are necessary. Recurring payments are useful for some business, but as you said even PayPal provide it.
The regime lives in its own echo chamber and filter bubble.
The fact that the unregulated niche market
doubles every year until it is soon no longer a niche market and that there are now also quite normal things of daily needs offered is simply filtered away.
It cannot be what must not be. So simple is the world in the 0Byte universe.