Regulate Visa and MasterCard and the rest. As utility services, they should not have the ability to ban or deny service to any payment that is not clearly illegal. Or we should create a public alternative with private transactions.
Anyone heard of Monero? Kind of their whole purpose... I know, I know, crypto bad, but when censorship comes for [insert your thing/country here], it kind of becomes obvious why people talked about crypto before btc was six digits. Anyone who knows how tech works and also any history about how authoritarian states work should probably see why crypto got so big in the first place, long before [insert scam that makes otherwise sensible people disregard an entire class of technology here].