It's literally not their fault. They don't give a shit about your penis. The government has found that they are liable if their services are used on a website with illegal shit on it. Stopping anything that could be considered illegal anywhere (some places consider loli CP) is now mandatory for them to not be sued into bankruptcy. Even if you could feasibly make your own payment processor you would be held to the same standards and get fucked like they were.
Blame the government