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> Not everyone lives in the US

Nor do I. Banks themselves in the EU and India offer virtual cards. There's also Wise with much wider availability.

I won't pay for YouTube because they don't accept magic jellybeans is a bullshit excuse and you know it.

Yes, they cards are virtual but all of your KYC data is passed to the card network whenever you make a payment. Your name, address, etc.

source: I work on card payments

There is a workaround to this that is quite simple. Get a prepaid visa gift card. You can make up whatever nonsense info you want on those and pair that with the subscription. Then once the balance runs out, get another card and repeat the process. Problem solved.

Nice, then google decides to block your account one day for an unspecified reason and they are asking you for a drivers licence with those credentials to let you back in.

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