If there were alternatives than I would agree with you. For many, there aren't. The only real alternative to CnB is UltimatePay, which isn't available in many places and isn't viable in any place. Also, CnB is defrauding and scamming many players. I feel it is a big deal. In all my time playing FFXI I personally feel this is the biggest controversy SE has immersed themselves in, and certainly the biggest slap in the face to their customers.
If we had reasonable options this thread would not exist, and the tinfoil hats would be safely folded away in the cupboard collecting dust.
And also, many have gone through the CnB cancellation process and not been granted their cancellations.. As well as the fact that CnB retains CC information indefinitely and has been known to reactivate accounts and continue billing on them.