Sorry a very fair question. This is due to an article I read a fair while back asserting that. Let me see if I can find it or similar. Ok here is an HN comment (relevant section extracted from comment[0], full thread[1]) with some discussion on that.

> In the adult/porn world, there's a high amount of chargebacks and fraud relative to low-risk industries like SaaS software. If you pass a certain chargeback threshold in the adult industry, your account is terminated, and no payment processor will do business with you.

Now it was ages ago that I read this, and I'm sure it's a more nuanced topic than my simplified answer, but that's what I understood from my reading at the time.

[0] https://news.ycombinator.com/item?id=24294801

[1] https://news.ycombinator.com/item?id=24291790

If you read your own sources, the thread your linked, the stories shared by people working in that industry make it super clear that the root cause is that payment processors are allergic to adult industry (ie porn) not higher chargeback risk. They specifically set low chargeback tolerance just for this industry. So how can you deny that it is about people's ethics and values. Of people who run corporations and people who are willing to sue them.

And it was ethics and values for Pornhub too. See my other comment or just look up what happened.