Simple answer
If RyanAir and others are forced to scrap the CC charge (which I have no problem with) because I use a INSTANT bank transfer to my pre-payed master card which takes seconds to transfer money. RyanAir could simply stop the CC charge and start charging a seat charge £10 per seat £20 per exit row, this will not cover the total amount lost throught the CC charge but will cover a large amount of the lost money. I understand that the free seating rule that RyanAir use is to get people to the gate way before the Aircraft gets to the gate but this in itself may help with making more money as more people may miss the flight and would have to pay for a new flight if they are not at the gate on time.
We all need to remember that all Airlines are there to make money.