The U.S. dollar in a competitive, fair, and efficient market cannot be tied to the services of a few companies. Individuals must have the right to spend money independently. People have a right to participate in markets.

Theres a few options - force all online sales to also accept bank transfers.

Create a gov owned company that competes with these services (like USPS).

Or regulate payment services on what can be considered things they don't have to service.