>They must hope they live in the subset of countries where this is allowed.

Although the overlap between this subset, and the subset of countries with reliable international shipping, is pretty high.

Relevant if your product is literally bread. Not so relevant if it's photography or software or news reporting or comedy sketches.

And even if it is bread, having one problem is better than having two problems.

Depending where you live, there will already be restrictions who you can do transactions with (sanctions etc.). So irrespective of technology the world doesn't quite accommodate this at present.

Or they could sell their bread locally for cash only.

Or they could make their own payment processor if the existing ones weren't doing a good enough job for them.

There are a lot of avenues to work around the cartel of the banking industry, and I am a fan of any implementation that ignores the unconstitutional Bank Secrecy Act. Crypto does fall into this category but is not the only method.

'Or they could make their own payment processor...'

Theoretically maybe. Money transmission laws will likely trip them up. Big barrier to entry.

Yes, that's why I stated that crypto was still applicable. You get the benefits of money transfer without the barriers to entry (except maybe in converting to and from fiat).