People just need to get their own merchant account. Without one they have to face facts - they have NO control over their own business, because all the important stuff actually belongs to their processor. (and with fewer and fewer processors doing more and more of the processing their control over the industry becomes huge)
But getting control also means taking responsibility - something many webmasters don't want to do.
The ability to process credit cards is not a god given right. The processors are doing many a favor by giving them a way to process credit cards for a small fee. Many site operators could not even get one, and getting a high risk adult merchant account is one thing but keeping it is another.... and if you lose it, getting a second is almost impossible.
Everyone complains about processor abuses, but they all know how to stop it -- just get your own merchant account.
Of course then, if they have problems, they couldn't blame anyone but themselves.
