I know Wero is still in its infancy and the digital Euro is still a few years away, even if you believe there'll be no delays. But depending on where you live you can already do a lot for EU financial independence.

Use cash (very easy but not ideal in many situations/online)
Use a national payment providers:
- Germany 🇩🇪: Girocard
- Netherlands 🇳🇱: iDEAL
- France 🇫🇷: Cartes Bancaires
- Poland 🇵🇱: BLIK
- Italy 🇮🇹:Bancomat/PagoBancomat
- Many other options, check for your country
Use SEPA direct debit mandate or wire money directly if you can
Sign up to a european crypto exchange and use it for direct purchases. although I get if you don't like crypto but this is just for direct purchases

Otherwise American Payment providers usually get at least 1% and if you use card payment a lot over time that can really add up. This also mostly makes sense when buying from a european company. For US companies it really doesn't matter much. I've been trying to replace Amazon with Otto and I use SEPA direct debit mandate to avoid fees.

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[–] timestatic@feddit.org 9 points 2 days ago

Yeah I was mostly talking about european shops. Shops outside of Europe that don't have SEPA often sadly can't offer it. Sometimes there is no way to avoid but as long as you check and reduce usage less money will flow to them. I used to always use my Visa debit card as I didn't like change and stuff but now I look for alternatives