Those bills are the reasons banks/credit card companies are pushing this since it holds them liable.
You are either misreading those bills or confusing them with other similar bills which did target banking infrastructure (and which thankfully did not pass).
FOSTA/SESTA did increase liability for platforms, but the applicability of those laws to this specific case is minimal to nonexistent.
There is so much that has changed! If you think FOSTA/SESTA are the only thing that have changed, you're clearly not up to date on this topic!
> Banks didn't do this before 2018 as aggressively
Because after FOSTA/SESTA passed in 2018, the groups that lobbied for it started targeting financial infrastructure as the front in their war. This is not some secret; they've been very open about it and their lobbying efforts have been extremely well-documented.