PCI-DSS still takes the cake for most oppressive rules out of all the compliance frameworks. The notion that your system might become "in-scope" is one of the scariest things you have to deal with. Avoiding this designation is almost always easier than satisfying all the controls they prescribe. Stripe & friends have it really good. I don't know who their equivalents are in the health care industry but I am certain they exist.
Basically, Visa and friends externalized their own shitty security and made every other company in the land responsible for wrapping their janky hardware in electronic bubble wrap. A real security framework would’ve said “don’t make a credit card scanner so weak that it can’t survive being on the same LAN as a printer”. Instead, the whole country has to waste billions of dollars mitigating that risk for them.