'
Those problems are patterns of human behaviour.
They’re incentives, they’re social structures, they’re modalities.
' <- So, we get rid of humanity, noted. (just kidding)
'The payment processing technology is not the issue here.' <- In fact it is. Visa/Mastercard, paypal, American Express, even FIAT (central bank money (Dollar, Yen, Huang, Peruvian Peso and so on)) are centralized payment methods, (only one entity processing payments) And they have the way to decide which transaction process and which not.
'Those problems are patterns of human behaviour.' <- I'm agree with you with this point. You can't trust people who only want money and power at all cost and don't align their ways to get it with the interests/comfort of their users in mind. And because that, a possible 'fix' to the problem is not use a method that dumb and greedy people control. A system that can guarantee it's impartiality. You can't come up with a new payment method that can compete with Visa/Mastercard in less than a year and if you can. How do you guarantee that in the long run it won't be used to extort/censor like Visa/Mastercard is doing?
'Yes, let’s use a technology that is well known for all kinds of activities that most people would frown upon. Most notably stealing people’s money through various forms of fraud.' <- In those cases is like you said after. The problem is not the payment processor but the way it was used.