Cloudflare captchas are an excellent point.
Sure, technically nobody is excluded: Just solve the captcha! Fraud heuristics are only reasonable, right?
But it's all fun only as long as your situation occurs within the 90th or 95th percentile of all data labeled "good customer". Good luck if you're out side of that...
But thats not Chrome's fault.
I mostly use Chrome on Linux (fully Google distributed, closed source Chrome...so not Chromium) and I see those cloudflare captchas at a much higher rate than I do when using Windows or macOS.
I'll give you one example: I sometimes can't open OpenAI API documentation due to some stupid Cloudflare captcha checks. No, on Firefox, however many times I click that checkbox, I can't go through the verification, just to read some static content. Not even if I disable adblock and tracking protection.
I don't even see a checkbox at all on Chrome or Edge.