That being said, I also like owning my music. As files. On my own devices. Running "fair trade" operating systems that let me do that.
You surely could. Go to a store and buy a Spotify gift card with cash.
If you create something that can be copied endlessly at near-zero cost, and you don't want others enjoying it "for free", then you need to charge an appropriate price for the initial publication. You have every right to keep it to yourself, and to charge whatever price you deem fair in exchange for the service of revealing it to others, but once you've done that it's rightfully out of your hands.
I personally live in Germany, in the middle of my live, with kids and a big household etc. and have never used a credit card, nor have I undergone a single situation where I needed one.
Seriously, give me a reason to trust these things, because I rather manage with what I have instead, and so far with little trouble. With what I'd call the upside of me consuming as little as possible from the international money mobsters. I do need some hardware once in a while, and the options there really could be better.