The way that payments work through SEPA is that the merchant pulls the money from your account. Legally they require a "mandate" - this can be as little as a handwritten signature on a document.
Security is essentially provided by easy reversal and strong penalties for abuse.
I've often wondered whether payments providers entering the blockchain space (like Visa/Mastercard) would act as trusted intermediaries for dispute resolution. Kind of a 2-of-3 multisig to disperse the funds in escrow.
I would consider myself tech savvy but I struggled immensely to run lightning without custodial risk back.
However, small models are continuing to improve at the same time that large RAM capacity computing hardware is becoming cheaper. These two will eventually intersect at a point where local performance is good enough and fast enough.
But then the blocks got full, fees and wait times skyrocketed, and in response to the customer backlash Steam removed Bitcoin.
Meanwhile Bitcoiners were (and still are) only focused on number go up instead of other, more productive, use cases.
Such a waste.
Good luck censoring purchases on ETH.
More concerning is that social fixer was turned off: https://socialfixer.com/
MFGA Make Facebook Great again ;-)
E.g. www.cnn.com/ads.js
I prefer having multiple layers just in case anything drops off:
1. VPN DNS / AdGuard local cached DNS 2. uBlock Origin
It's like wearing two condoms (but it feels better than natural).