Go work in payments a while and get a clue. They are constantly at risk from the card networks, banks, regulators.

Have worked in payments for over 25 years. Yes it's complex. But with the charge rates and volume they absolutely can do better. And no my business not violate the ToS. It was considered high risk due to high value of transactions despite exceptional contracts, client signoff forms etc.

High risk is explicitly covered in the TOS.

Then time for them to group up and change the game. Not going to make excuses for corps. It's their responsibility to push, not mine to apologize for them.

The game is working out well for them. Why would they want to change it? What's next? Lebron should push for rule changes that make it easier for short guys?

Advocating against yourself.

Nope, you just don't understand the situation at all.

Change doesn't come from placation of an existing system.

The difficulty of their situation (ie threading the needle on providing value while toeing the line from a reg and stakeholder standpoint) is good for them. They don't want it to change. This is 101 stuff in business.

The same way it's good for you to push them to do better.

Nope, I'm not a fraudster, or a porn guy or drug guy or whatever other things currently banned. I'm quite happy with the status quo here. As are most of society.

Deflecting. You live in a society of powers. You're not an individual free of them and their consequences just because they didn't target you this time. If you were truly comfortable you would have good reasons to support their decision other than "it wasn't me this time!". Most of society is not happy with the status quo, why do you think they're so unhappy?

Lol, you seemed to miss the implication - I'm happy it's difficult for them to do business.