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Another recipe app I recommend is Mela.

iOS & MacOS recommendation Free: NetNewsWire Paid: Reeder 5 (one time payment)

I’ve not been able to find anything similar to Privacy.com in the EU. I also read that Privacy.com makes it difficult to delete your account and they aren’t clear on what they use your data for. I would assume that using a card via your bank would be more secure since they’re bound by finance privacy laws (I think). I’ve heard of bunq.com, but personally have never used the service, so can’t give an opinion on them, but maybe that’s what you’re looking for.

Isn’t this what OpenAI is doing with World Coin?

It appears that there’s already a black market for the verification tokens

I tend to add them to my password manager, which funnily enough also has a recovery phrase which I just keep written down somewhere safe.

xkcd comic regarding your question of pass phrases vs passwords.