https://www.wired.com/2010/12/realtime/https://www.wired.com/2012/07/wikileaks-visa-blockade/
Blanket, universal surveillance as well as zero-burden-of-proof government point-and-click
seizure/disablement is the cost.
You cannot have a free society without a payment system that the government or a few large banks do not have the ability to arbitrarily censor, even temporarily.
You can not communicate or organize anonymously (for example, for political organization or government corruption investigative journalism) when every payment you need to do so is logged as a matter of course. These activities are not common, but essential to a free society.
The ability to transact in things the government does not like, without their knowing about it, is a cornerstone of freedom. Many other human rights crumble if you do not preserve it.