In your opinion, but from the business's point-of-view, if they're enabling a shady business (like a spammer), then people will publicly complain about how that

In your opinion, but from the business's point-of-view, if they're enabling a shady business (like a spammer), then people will publicly complain about how that company is aiding and abetting bad actors. It's just like how Twitter gets blamed for neo-Nazis using it to spew their garbage. Companies aren't the government, and are allowed to choose who they want to do business with. They don't have a responsibility to uphold free speech, and only have to make sure they don't discriminate based on protected class (race, sex, etc.). Otherwise, if they don't want to be known as "the company that helps neo-Nazis accept payments" or something like that, they're free to not do business with them.