It's more of a payment processor issue than a device issue.

If you are in a country or area with a large Chinese population, you can usually pay easily in RMB with Alipay.

If you use Visa and Mastercard, you are subject to US regulations, sanctions, and embargoes. Many alternative payment processor exist, PIX in Brazil, UPI in India, etc.

There are several systems in the EU: Wero, Bizum, BLIK It is urgent that Europeans coordinate to ensure the interoperability of these systems and reduce the influence of Visa and Mastercard.

In the event of conflict, this will be the first service to be cut in order to disrupt European countries.

The US already use it for coercing European politicians : https://www.courthousenews.com/eu-strongly-condemns-us-sanct...