Comment by dotnet00
13 hours ago
As others have mentioned, what evidence of risk is there between a normal game purchased on Steam, versus an adult game, purchased on Steam?
Steam has a specific return policy that it applies everywhere, the games don't show up on card statements, and Steam will lock your entire account for charging back.
If there's a secret epidemic of people making new accounts specifically to buy and chargeback on adult games, the solution is for the processor to pressure Steam to take measures to reduce fradulent chargebacks (e.g. through minimum account age requirements for adult games), not to censor the platform.
You're being too first principles here, for one. These giant operations have coarse rules because they are giant. Coming up with a single counterexample is not compelling. Coarse rules are inherently going to have false positives. That's a feature not a bug - regulated entities can't risk racking up offenses due to their automations or policies being too lax. Sooo..you did not "gotchya" anything with your comment.
Secondly, I was talking about categorically changing how we treat MC/Visa. If you are going to change their class of operation, something has to give. And it gets complicated.