Ppl say this with such conviction but what about your bank website?
Prepaid debit cards exist. Load money at any convenience store. You can even get a routing number/account number for it so you can direct deposit to it. You call a number to check your balance or lock your card.
What if it becomes industry standard and you have no other options?
There's no such thing on the internet. Most lemmy instances with a captcha use hcaptcha or similar since its cheaper (free, in fact), as an example.