> The easiest being to not use your real name to accept SEPA payments. You can put anything you want there on the invoice, the banks just care about the account number.

Is it wise though? Absolutely no. All that is is asking for a lot of trouble. Alone because a SEPA identifier is enough to cause people to order an awful lot of bullshit using it and you'll be stuck unwinding fraudulent pizza and dildo deliveries pretty much forever until you change the bank or have them create a new account.

I have a lot of shit to dunk on Bitcoin and others, but the one thing these got right is that no one could simply claim they had an authorization to your funds.

What? The only thing people can do if they have your bank account number is send money to that account. There's nothing else they can do.