Yes, there are cryptocurrencies available, so if we can fully legalize it and promise that we don't touch anyone's private transactions (as well as businesses officially accepting crypto) - that would be an argument.
For better understanding how bad it is: it's non trivial to even accept worldwide payments for small business/individual in the internet if you are, say, from Ukraine, Russia, China or lots of other countries not processed by stripe/paypal for some political or legal reasons. Apart from that, there is a "free" market of two payment processors in the internet and two card processors =)
It's perfectly normal in Europe to pay for your ecommerce purchases with a bank transfer directly to the merchants account. There are thousands of banks out there, there's no monopoly or oligopoly at play.
However, there clearly is a small number of players in mobile platforms, cloud, and payment, and they act in a unified way. It has been sufficient.
Sure, there are in fact only a small number of players in this space.
>cloud
There are vast amounts of hosting providers. A quick google suggests over 300k, but that sounds somewhat unlikely.
>payment
There are a thousands of banks in the world, most of Europe manages just fine using bank transfers for payments without involving external payment processors.
>It's sufficient to push undesirables to services which are more expensive, more inconvenient, unreliable, and so on. Relegate them to their internet ghetto.
Is this really a problem? That's just the inherent nature of being undesirable.