Man, looking forward to the paying experience also being enshittified.

Actually with my card in Europe it's already happened: any payment purpotedly being done overseas (even if it's in the local currency) has some % surcharge. One time some pop-up store came to my town, and they brought a card machine from their store in France. Charged in my local currency, and my bank charged me more. Luckily I could call them with much annoyance and get it credited back.

From online chatter I've heard that paying for Netflix or some other foreign service induces this charge too.

Use Revolut for no exchange rate fees added while paying in foreign currencies; also with disposable virtual debit card numbers for extra security when payment gateways or websites do get compromised.

Sounds like a good time to check out Wise or other similar options. There's no reason to pay extra for something as essential as card payments.