@laurylyan I put some detail information about the security in this post: https://forums.j-novel.club/topic/2831/newbie-s-opinion-of-the-membership-december-2019/2
As for as it is: there is no work around without a credit card. Either getting a virtual one, an electron one (called prepaid in Europe), or a basic one is currently a must have for the JNC membership.
If you are using an European credit card, I can reassure you that there are plenty of additional security measures in place. While stripe is not as secure as PayPal, a combination with bank services does provide equally good security as PayPal does.
For example - since I am not accustomed with U.S. banks I am telling it like this - European credit cards use a three level domain security layer. Most banks have notification functions installed. I have to confirm transaction which goes beyond a certain risk level by app, and I am always informed beforehand.
Plus, by the legal terms of conditions, I got guaranteed that every transaction which is not originally mine, I will definitely get a full refund without any penalty, as long as certain conditions are met.
It is still much less convenient as PayPal, but as everyone stated it correctly: that is an unfortunate consequence of competition of the market. Except for China and Russia that is a worldwide desired standard.