In the US it is compounded by the fragmented telco system. You can find numbers in the US that'll pay several cents (some bill up to dozens of cents/minute). This was really heavily abused by things like FreeConferenceCalls or "sexy local chat" lines. It's also used to provide "radio-by-phone" for expats. They'll target a large immigrant population, then play home-town stations over the phone call. This lets people without data use their unlimited-US calling get radio from home without paying directly. Lots of money to be made coming up with ideas like this.
The FCC has ruled this is mandatory and slapped US telcos that blocked such traffic. Though the owners of such numbers now usually mandate that the business be based or have operation in their jurisdiction to avoid running into more challenges.
I need to add though that phone payment is mainly used for sites targeted at kids, sites that normal acquirers don't allow (file sharing) and donations (e.g. text XYZ to 000 to donate 5€). Not usually when ordering stuff from Amazon etc.
Or SofortÜberweisung where you give the login data to your online banking and a TAN to a shady 3rd party company and they perform the wire transfer for you - while sending a confirmation to the merchant that the money has been sent.
No, this is not a joke. https://de.wikipedia.org/wiki/Sofortüberweisung
And more and more, especially younger, people have credit cards for digital purchases (and travelling).