> good luck collecting payments, avoiding fraud or reporting taxes without collecting name and address

A client of mine collected just shy of $2M last calendar year (2023), and we only store an email address, and a password.

The trick is, let the organisations that (apparently) need that extra data, collect the extra data themselves. Payments are offered via PayPal, Stripe and Amazon Pay, using their hosted payment pages. It works amazingly well. The Stripe and PayPal options can even be achieved without JS, if you wish.

I believe you could also achieve a similar lack of PII using a JS-heavy 'embedded' solution for Stripe and maybe PayPal, but don't quote me on that.