Surely Web3, and specifically DeFi, have been working on avoiding the annoyances/ oppression of the banking system for years. It's been 3 years since Jack Mallers spoke at the Bitcoin conference about getting around visa/ mastercard and their fees using Strike and the Lightning network.
Dude's a full-on tard in a hoodie but is his assessment of payment networks at 10 mins in not exactly the problem you're having? Now, I don't know how easy it would be to have a registered charity conduct business that way, but there are a lot of companies that process fiat on one end and crypto on the other (without the user having to know much about the latter). None of the crypto bros that run these places have much love for censorship.
Apart from Strike there are businesses like
Monerium, I'm not well versed in all of them but I would have certainly said that decentralized finance was at least the direction to look.