Europe is not a monolith on this. You see utilization rates going as high as 75% in Europe for credit cards, so in those countries merchants would have similar choices to American merchants. That’s before accounting for debit cards which use the main network rails.

And most of the alternatives are either government controlled and thus subject to different censorship concerns or private (for instance bnpl) and subject to the same.

That is to say people seem to be dancing around there being some fundamental right to transact. Thats not one of the traditional rights and not one that is codified most places (anyplace?).