I would be with you if so many corporations didn't already exploit customers with the whole "yeah, tough luck, whatcha gonna do about it? have fun suing us" attitude. You can't blame customers for taking the same approach when that's already corporate America's MO.
And don't forget that on top of exploitative practices, corporations frequently game the legal process too... like forcing customers to sign away their rights to sue in court, and all that.
It's almost tragic that how many times things that are "legal", are neither right nor good. In ideal world, atleast, those qualities should have been mandated to make something a law.
Either laws are way too old for the current times or were made worse by lobbying groups in favour those with might.
Things don't seem to be getting better (cookie annoyance being one example) unfortunately.
No, it's not, an even if it was, that would create no obligation of a vendor to let you use it to establish an account. The effect of legal tender comes when making an attempt to pay an existing debt, not when trying to establish a relationship in which charges might be incurred in the future.