I’ve been using Fastmail for a few years and I’m quite happy with the service. Being a semi-large organization I expect their security to be OK, but if anyone has comments on that aspect I welcome them.
As for privacy, I always consider e-mail to be a postcard. If I want to encrypt something, I use GPG locally.
In Spain (not sure about Europe in general) things are slightly different.
I have been living in Canada for 9 years, and there if you see a transaction you don’t recognize in your credit card statement you phone your bank and they take care of that.
Here in Spain you need to go do the police, file a report, then talk to your bank, then they’ll think about it.
So when I came back I was talking with some guys I know and they convinced me that, at least around here, it’s still a good idea to use Paypal. You also get faster refunds, etc (and that could be due to some European regulation, not sure).
If you mean that in some channels only some people can actually “talk”, I think it depends on the configuration of the channel, but it’s a possibility.
I thought people used Discord because you could have video / audio chats (not sure about this, I’ve used it very sparsely.)
And then there are Open Source projects that use Discord as the documentation repository. Hell is a place on the Internet, apparently.
That I don’t know. I store the TOTP keys into an app on my phone an into a separated KeePass DB that’s different from my regular one. Two copies of that is good enough to let me sleep at night.