I've never heard of that. Is that a European thing?

paypal has a more robust chargeback mechanic and is also more widely supported by the world than a swift bank account. it also handles metadata and checking who you're paying/getting paid from better than a swift bank account. there are definitely benefits to it, even if it's financial hell on earth. just recently i managed to do a full chargeback for something expensive, after the seller didn't give me my money back after sending the item back within the 14 days and the item also being defective. the seller was fully uncooperative, but paypal managed to claw the money back. I'd call that a win. I also find it weird how if a company has your bank or credit card details it's trivially easy for them to falsely charge you. That's insane. I know a chargeback is similarly easy, but still. Having a way to make sure to only allow charges with specific intent on your part is amazing.

(i don't use credit cards, the closest i am to debit cards is using google pay. stores here usually support credit and debit cards, yes, but also checking accounts using the aforementioned swift system.)

There's a high barrier to entry and most shops don't accept it. I support crypto becoming mainstream and simple to use, but it's not there yet.

You just have to disclose that you've used it, not how much or who you paid.

What you are describing is something I would label "skepticism of science", rather than "scientific skepticism".

So out of curiosity, I did a bit of digging. As andioop mentioned, the term "scientific skepticism" has been used to denote a scientifically minded skepticism for a long time. For example, the Wikipedia article on Scientific Skepticism dates back to 2004 and uses this meaning. Similarly the well known skeptic (pro-science/anti-pseudoscience) wiki, RationalWiki, has linked the scientific method and "scientific skepticism" as far back as 2011, and currently straight up equates skepticism with scientific skepticism. You can also find famous skeptics like Michael Shermer using the term back in the early 2000s, in his case in his 'The Skeptic Encyclopedia of Pseudoscience', published in 2002. It was also used in papers such as this sociology paper by Owen-Smith, 2001. This is the meaning of the term that I am familiar with.

However, since about 2020, there has been more of the term "scientific skepticism" as a parallel to "climate skepticism" and "vaccine skepticism". For example, this paper by Ponce de Leon et al is just one of many I could find via a quick Google Scholar search. This, I take it, is how you use the term.

Personally, I'm probably just gonna keep using "scientific skepticism" to mean "scientifically minded skepticism", but will keep in mind that it can also mean "skepticism of science"