In a way this situation with the 3rd party proccessors is good or at least has a silver lining for some.
I was in the business from 1987 to 1992 and we only accepted cash through snail mail (until you experience this you can't possibbly know how much fun it is) or through our own merchant accounts which only a couple of banks would touch and they set severe limits on our monthly sales.
So all the fair weather adult webmasters will fall and the non ethical proccessors then the pie will have less eaters and we that remain will increase our income decrease our expenses and have more profits and more girls to work with.
Remember you cant charge back a money order or cashed check!
Just this newbie's
I would never trust any of these processors to reply to an email asking their health with a reply that said they were going offline tomorrow. Huh what?