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I believe it comes down to what is tangible and what is not. Banks( at least here) consider Virtual subscription based sites high risk. There's no signature and no proof of purchase or delivery. So the fraud rate is much higher compared to something tangible like a book. If you send someone a book you can(or at lease should) get proof of delivery. The content of the book shouldn't be an issue.I believe the same applies for sex toys and DVDs.
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