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Regardless of the country you're from?

Yes.

Yes PayPal. 'Please take my funds [0] and fine me $2,500 [1] if I say anything that you don't like'.

Also, thank you Stripe. 'For locking my whole account account without any reason' [2] [3] [4] [5].

So what? Global trade reached a level of $28.5 trillion in 2021, so clearly global payments are working somehow.

"Tell me you're from a rich western country without telling it"

What? If you're trying to say something say it. If you know damn all about international payments this conversation isn't for you.