Independence from US card companies? When you pay with a VISA card, VISA takes a fee. Or any other card. They all take a fee. Same if you add them to PayPal. The card issuer takes a fee, PayPal takes a fee. Mastercard just blocked the selling of certain games on Steam because they wont allow transactions for games with sexual content.
There are many valid reasons to not rely on the VISA/ Mastercard/AMEX etc. these were just some examples.
When you use wero - it’s connected directly to your bank account. No card issuer involved.
You do not have to. At least iOS allows you to select if you want to give access to all contacts, specific contacts or no contacts at all.
It’s like many of the messaging apps: how would you be able to select to whom to send money if you don’t share the contacts