You must have missed the first 20 or so years of its existence, if that's your position.
Stopping abuse has always been a game of trying to deanonymize users in order to try and ban the harmful ones.
All of these have independently caused me to get into endless ReCaptcha loops: firefox on android, smartphone with unusual screen resolution, clean browser profile with VPN.
It's so common that I now default to using duckduckgo, which never blocks me. I doubt DDG has a lower DDoS/Resources ratio than Google. Some companies are just lazier and less principled than others.
"Unusual" = not Chrome and doesn't allow tracking scripts.
Switch to Safari with an ad blocker for a week, see how many more ReCaptcha prompts you get.
Fortunately, almost all of the websites I visit with my anonymized browser aren't places that I wish to attempt to post a message. Unfortunately, I can easily run into defenses of an entire site when the problem is spam sending.
Parent poster trusts his bank, and his bank would trust his once it knows he's not an fraudster, so maybe it's in everyone's interest to just allow the javascript for that one site.
Have you tried not using these things? Anonymity is exactly what bots want. They want to be able to post a spam message every single second and be impossible to ban since they are anonymous. The internet can't function if people are allowed to be anonymous.