Earlier quoted context omitted.
And why is the payment processor doing that? Because they're afraid of the government. Why? Because the government doesn't like boobies. Why? Puritanism...
I said why in the sentence before the one you ran off with. Because they get higher than usual chargebacks. This is due to the "I shouldn't have spent money on that" feeling when the user is done with the service. You'll also have fraudulent cards because there's no physical location they need to order things to to test that the card works. Probably an aspect of underaged users using parents cards due to the nature o…
Your reasoning that that in itself would be sufficient to refuse service does not hold up.