Mijoharas and I both mentioned the adult industry, you've closed the scope down to just pornhub for some reason -- essentially you're arguing some other argument no one else made.

Payment providers note higher chargeback rates for adult/porn services than those for other mundane services, this is a longstanding -- pre-internet, even -- pattern which has nothing to do with the pornhub situation within the last 5 years.

pornhub is a good recent example of when payment processors ditched a major company due to csam scandal and this is very relevant to unregulated models.

> Payment providers note higher chargeback rates for adult

You get cause and effect inside out. Read the link posted by the guy you are defending https://news.ycombinator.com/item?id=24291790. Payment processors selectively nerf/buff industries. They see porn immoral and set stricter rules. Including lower allowed chargeback. And yes this means they actually make less money because of it. Believe it or not not everyone thinks money is everything. I give up if you guys actively resist facts.