The illegal services are strong when they win on selection and availability; in markets where it is easier to just sign up for Netflix (I assume they exist, perhaps you live in one of them) undoubtedly privacy gets less popular. And Netflix is a good example, I know people who view on Netflix stuff that's there and pirate the stuff that's not.
How do you sign up for netflix if your total monthly budget us $40?
There's a lot of groups for whom torrents are easier than netflix.
(Even in forst world Germany, an affordable CC is hard to come by)
For kids, yes. For adults, you can get "free" bank accounts with a credit card. Might not get much of a credit limit, but you can always move money onto the card beforehand.
Even branded products like e.g. the Amazon CC or the BahnCard CC have an additional monthly fee on top of everything else.
(A significant factor being that the EU has a limit on CC fees of 0.2%, which is exactly the same cost as cash costs on average, and is almost twice the cost of the GiroCard system. The second largest factor is simply that Germans usually don't go into debt, so all the profitable traps the CC companies have designed won't work)
So sure, you can get a debit card for free, but that's got so many asterisks attached, it's not worth it.