I pay ~$100 year and it's a far better experience than I've ever had with torrents

You also have to associate credit card info with illegal activity that leads directly back to your physical self. Pass.

Nope. Most accept crypto.

Well unless it's Monero, it's still just as traceable and you pay twice as much in various transfer fees.

nope, bitcoin, doge and many others are pseudonymous and as long as you are not retarded enough to buy it someplace which requires KYC, it is stupidly difficult to trace it to your identity. Especially in court.