Your concern while valid seems solvable.

They could preauthorize a random token amount on credit card with matching details, have you call the number on the back of your card to figure out that amount and then you have to input that number to authorize the access in an oath like flow.

Please tell me if you see something wrong with my procedure?

edit: I saw something wrong, I have forgotten about the vast unbanked population in the rest of the world as we don't have that problem in Canada¹

1) https://www.gfmag.com/global-data/economic-data/worlds-most-...