I think your approach is a good one to ensure real users, reduce spam, and for the admins to be compensated for the service they provide. However, is giving your credit card or bank transfer information to a website less risky or more privacy-focused (one of OP’s goals) than giving an email address?

You are a lemme.ee user, so you will need to find another instance (it’s like a server) if you want to keep using Lemmy - and I hope you do!

https://join-lemmy.org/ has a listing of instances, though I’m sure others will hop in here and recommend some.

Edit: This comment describes how to migrate your subscriptions, blocks, and saved posts