Congress can authorize the creation of substitute, non-political, law abiding PayPals and require the banks to cooperate with them. The Republicans need to get going on this.
That’s not very Constitution-abiding of an approach. Congress is not authorized to do that.
The proper approach is anti-trust action against Big Tech. It is desperately needed and overwhelmingly warranted, and the laws are already on the books. We lack only a prosecutor with the will to pursue the charges.