194 karma · joined March 19, 2026
(And in indie it's way worse, it's more like 1% making it one year)
The problem is the VIRP/BRAM requirements push adult content into using only a handful of acquiring banks, and thus there is insufficient competition to get them to lower rates since where else you gonna go?
Meanwhile other industries like travel have crazy high chargeback rates. This is because it is notorious for a no refund policy / locking customers into purchases months in advance... and then people just chargeback instead of accepting a consumer hostile no refund policy. So travel ends up having high chargebacks... and yet has minimal trouble getting processing.
(If you're not a citizen, all bets are off)
But to get to the meat of your question, trust is lost through betrayal. Organizations have been deciding unpopular policies without consulting their users, or having meaningful methods for users to opt out or push back. For a long time, users assumed open source would be the last bastion of privacy and user freedom, and then were shocked when those values were not actually shared by maintainers.
The paternalistic perspective that the organization knows users hate something but push it anyway is always going to lose trust. That practice needs to stop, and instead consider how open source can treat the user base as important stakeholders.
I'm not sure if I'm allowed to include links as a new user but Pornbiz posted an article showing AV lost them 90% of traffic. There's a BBC article where researchers found AV compliant sites were decimated on their top traffic ranking on Similarweb. And I working in the industry saw our traffic drop by 99.9% during our AV test.
Users don't use VPN, they certainly don't upload ID... they just go to noncompliant sites. Don't believe UK government's gaslighting.