UI automation is necessary for accessibility

> unless you can displace at least one of PayPal, Ko-fi, Patreon or Venmo, you've not got a system that's suitable as a micropayments system;

The point is we have no universal micropayments system because we have high regulatory friction.

A universal micropayments system would not displace the examples you give, rather those examples would become gateways to such a universal system - in addition to allowing those who wished to directly interact with said universal micro-payments system with software under their own control.

That none of those examples you give easily be integrated with (and are not universally accessible - e.g., I don't think I can use Venmo, and possibly you can't either if I remember correctly about where you're based), is because of a lack of a suitable universal micro-payments system. Which is cause of high regulatory friction (including severe fragmentation). Which is a social problem. ;)