>>It doesn't affect the "good guys", because we value their craft more than other crafts.
This is wrong. It's more expensive for very boring reasons; there's more fraud and therefore more risk for the payment processor. This means lower margins or higher prices. It's all actuarial science determining if serving a given market makes business sense. There are plenty of businesses which are this way, see for example flood insurance. High risk thus low margin thus nobody wants that business.
Good guys and bad guys doesn't come into it, and pretending that this is somehow oppression of the poor helpless craftsperson does nothing to help anyone.
>I am not only wanting to criticise the individual payment processors, because I understand the risk of doing business with such things.
My point is more that we shouldn't be tolerating this kind of behaviour in society, and that people use these justifications (that such business is high risk) to say that this is the way the world works, and there's no way out of that - that's just the way things are. But I reject this line of reasoning, because it is dangerous, it fosters a sense of complacency and not a sense to challenge the way that things are. These kind of crafts are looked down upon, and that stigma goes a long way in justifying what payment processors etc. are currently doing, even if it does appear to be for rational reasons. I very much doubt there would be such a problem on the side of payment processors if there were a large enough outcry about this. But there won't be.
This is wrong. It's more expensive for very boring reasons; there's more fraud and therefore more risk for the payment processor. This means lower margins or higher prices. It's all actuarial science determining if serving a given market makes business sense. There are plenty of businesses which are this way, see for example flood insurance. High risk thus low margin thus nobody wants that business.
Good guys and bad guys doesn't come into it, and pretending that this is somehow oppression of the poor helpless craftsperson does nothing to help anyone.