ETIAS applies to way more countries’ citizens than just most (but not all) citizens of the US and Canada traveling to the EU/Schengen zone. It is also going to be applicable to most UK passport users traveling to the Schengen area, unless and unless a Brexit deal takes place that makes it otherwise. It is also going to be applicable to most Mexican, Brazilian and Argentine passport users, and the list goes on beyond just the herein mentioned countries.
While ETIAS will require payment by a debit or credit card, the bank card need not be in the name of the person in need of an ETIAS approval to travel to the Schengen area.