> Why payment processors do it? Why people in America do not want to earn more money from commissions? Strong church lobby? Legal risks? I think its mostly religious groups who who are against adult content and sex, or there are other groups?

The driving force is mostly a group of nonprofits and lobbying groups that are backed by right-wing, mostly-but-not-exclusively evangelicals.

Over the last decade, they have successfully laundered their views into the mainstream to the point where many people don't realize how influential they have been in writing all of these laws and policies and driving them across the finish line.

None of this is hidden knowledge - they've been acting out in the open for years, but people have an aversion to acknowledging it, because it's an uncomfortable truth which triggers a great deal of cognitive dissonance.