There is quite a lot of logic and I'm sorry that I was so brief that my point escaped almost everybody here. Both merchants and customers are "statistically" equated to criminals, forced to do any online business in a closed ghetto. Which does not leave much business opportunities.
Going to an analogy which might make it easier to understand, say you live in Oakland, CA, and by law you can not open a bank account or possess a weapon because your neighborhood has statistically higher crime rate.
I understand people usually don't care much being on the other side of the fence, you lose what, 10% of sales maximum. But please try the mental exercise of being a well-intentioned business on another side.
Going to an analogy which might make it easier to understand, say you live in Oakland, CA, and by law you can not open a bank account or possess a weapon because your neighborhood has statistically higher crime rate.
I understand people usually don't care much being on the other side of the fence, you lose what, 10% of sales maximum. But please try the mental exercise of being a well-intentioned business on another side.