Since you mention this, one possible option you could consider is using Apple Pay if you already own an Apple device.
Having set up and used Apple Pay recently, there are some caveats that may be a dealbreaker for you:
- This is a non-option for those who don’t own an Apple device, and I do not recommend purchasing one just to use Apple Pay.
- I have not attempted to use Apple Pay without an Apple ID, but if you do have an Apple device, then the following caveats about Apple ID might also apply: Why exactly are iPhones a nightmare for privacy enthusiasts? - #2 by anon30510143
- To add a card to Apple Pay, you are asked for the information on your card (i.e., name, expiration, CVV). When making your first purchase using Apple Pay, you are asked for the information that would be asked of you whenever you make an online purchase (i.e., name, billing address). You are, as you mentioned, shifting trust to Apple instead of the merchant(s).
- Apple Pay is not accepted everywhere (e.g., Amazon).