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those who think that cross-sells and "deceptive" billing practices are to blame are sadly mistaken.
first, chris has said that the chargeback rate has dropped, and that chargebacks have no increased since the inception of cross-selling at epoch.
second, "decptive" billing practices are as much the norm in adult as in any other business. i work for Visa customer service, and I get more calls from customers calling about the billing practices of their gym or ISP then from an adult IPSP. i've had people fax me confirmation letters from the gym stating that they're membership was cancelled, however, they continue to bill for months and months after the letter is sent.
everything is fair and legal if it's disclosed to the customer beforehand. a credt card cardholder agreement clearly states that giving the card number and expiry date of the card is the equivalent of giving a signature and entering into an agreement with a merchant. and when the customer checks off the box saying he agreed to the Terms and Conditions of the site, he should have read it. if he didn't, it's not our problem, it's his.
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