Then why don't at least people in the EU simply get a bank account for such donations? Outside of charities, I don't recall seeing that on websites or elsewhere, really. Why is that? Did it just not occur to anyone yet, or is it maybe a legally thorny issue? How do banks feel about it? I sometimes wonder about this, and I assume there's gotta be reasons, but I don't actually know.

There's clearly multiple valid reason not to:

- Donations can come from all over the world.

- It's easier to simply subscribe on Patreon while you are already logged in, than doing the 4-5 steps necessaries to do a bank transfer (there's a reason Amazon invested so much into 1 click ordering, the least friction you get, the more transactions you get).

- A subscription is also recurrent, which represent much more money (I'm sure most bank allow recurrent transfer, but it's a choice and not the default one).

- Patreon allow "private" publication to the one that donate, which allow them to offer incentive to donate (mostly it's early access or exclusive content).

How? I am stuck with 3 days for international transfers unless I use a 3rd party service with sketchy terms of use.