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.