This makes no sense and is clearly an incredibly biased view. I have mained a civilian character for over 1000 hours, although the odd crime is committed, it's not the foundation of the character.
There are a ton of civilian characters who pride themselves in being legal. Take people like Joe...
I personally have a free Revolut bank account to circumvent this issue, they include both an online and a physical card which work as a credit debit card (you need money in the account to process it, so no US credit card debt simulator). There's other banks like Openbank that offer the same.
Compensation Request
In-game Name: Ronald Ingram
Game: GTA RP
Steam ID: 76561198278964506
Character ID: 70482
The date when this happened: 06/15/23
Please provide full detail and evidence: Whilst placing down my portable speaker, it disappeared into the ground. I believe this is an issue...