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I think it's largely a corrupt industry and regulations by the credit card companies and banks now increasingly create conditions which favor the larger players over the smaller players. It would be nice if something like Paypal were possible in adult as this would remove some of that control and cut out a middle man or two. But there's a reason it hasn't happened yet - certain powerful people don't want to see it. It's an interesting situation really. The major players abuse conditions by doing things such as banging cards and committing outright scams (with the processors looking the other way) and so in response the credit card companies and the banks create more regulations ($500 registration fees, compliance, no questions asked charge back policies, reduce the likelihood for adult transactions to be approved,etc) and fees which help to push out the competitors of the people most responsible for abusing the system in the first place. So they still gain just the same.
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