The status quo online is that we require the assistance of centralized intermediaries (like Stripe, PayPal, Patreon, BandCamp, etc) even beyond the banks to receive any money online. At which point most publishers just go for the menace which is online advertising!
Hopefully payto: can help change this! GNU Taler is excited!
https://taler.net/en/news/2020-11.html
https://michael-lewis.com/posts/what-went-wrong-with-the-internet-and-how-to-fix-it/