Even granting that those things do apply, there's another major hurdle for any platform that would try to do this with crypto:
You can't autobill.
Every time you want a payment, you need a signature from the sending wallet. The closest you can get is a smart contract where someone pre-loads a certain amount of money and it trickles out as the months/works roll out, but it will eventually deplete. Then what? Subscription over? Start the nagging emails?
It's not "set and forget" like a credit card where you settle the debt after the creator receives their payment.
Only of a pre-funded wallet. It's still different from a credit card. With a credit card, someone else fronts the money and bills me later. Any system that tried to do this on crypto would just be a glorified way of "being a credit card that accepted ETH (or whatever else) for payment."
To be fair, there are many countries outside of North America that exhibit preference for debit cards, and may even have very low credit card ownership rates. I don't pay with a credit card for my Patreon subscriptions, for example.
Agreed, it is limited to active participation. Although this might not be such an issue; a lot of creator payment platforms (Bandcamp, Ko-fi, Kickstarter) depend on active payments, and Patreon’s recent announcements seem to suggest they will lean more heavily on this.
You can't autobill.
Every time you want a payment, you need a signature from the sending wallet. The closest you can get is a smart contract where someone pre-loads a certain amount of money and it trickles out as the months/works roll out, but it will eventually deplete. Then what? Subscription over? Start the nagging emails?
It's not "set and forget" like a credit card where you settle the debt after the creator receives their payment.