

I’ve got 6 in a random mix of brands (Seagate and WD) 8-16Tb that are all older than that. Running 24/7 storing mostly random shit I download. Pulled one out recently because the USB controller died. Still works in a different enclosure now.
I’d definitely have a different setup for data I actually cared about.
Ability to pay for anything legal implies accountability. I doubt payment processors are creating these rules because they’re afraid of Jesus.
They just did the math and there’s probably a ton of disputes/chargebacks on certain content.
Should two consenting adults be able to pay each other for whatever the fuck - absolutely. But dumb pipe only sounds really good until you get scammed.