Is that an actual issue with US accounts? Over in EU it's common to publish your account number (IBAN) and routing code (BIC) on your website, letterhead, and obviously on bills you send to customers so they can pay you.
They should only be able to send you money, not use it to request money, right?
It's a terribly outdated system.
The only problem remains card-based POS transactions... unfortunately, MasterCard and VISA spent shit tons of money into lobbying to make sure people would finally all converge on their standard instead of an established domestic one, their closed network where these fuckers could finally get a chance at getting their cut from the 448 million EU citizens.
Fuck MC and VISA.
The reason for this is simply incompetence. They were given the order from leadership to discontinue Car Thing to cut costs, and they are given a short deadline with no options for extending or unlocking the hardware. Spotify's Lawyers don't see any way out of that issue, and also see liability for having discontinued a product so quickly and with such short notice, so they recommend to the Accounts team that Car Thing customers can opt-in to a refund, and that should indemnify Spotify from any disputes.
So the Accounts team gets this new recommendation from Legal, with an even tighter deadline than sunsetting Car Thing, where customers are entitled to refunds on-demand if they bought one. Requests come in immediately, and there is absolutely zero process in place for actually issuing refunds for this, so the Accounts team works directly with the Finance team and figures they can just wire refunds directly to customers, which the Finance team is happy to do if they are provided a spreadsheet of account/routing numbers.
Nobody in the process of making these decision has any understanding of the risks, they just move to actualize what leadership asked them to, doing as little work as possible to meet the deadline. The result is refund requests arriving before any refund process has been established, and so the process is invented on-the-fly without any regard to best practice.
Tl;Dr: Discontinuing Car Thing was a hastily made decision that was announced before the company had done due-diligence, and now they are dealing with a disorganized response.
For that reason, I have two checking accounts, and don't keep large sums of money in the account I use for payments.