I highly doubt Twilio knowingly allows this to happen. Furthermore, if anyone linked their card with Twilio, it would not have been hard to track down who is do

I highly doubt Twilio knowingly allows this to happen. Furthermore, if anyone linked their card with Twilio, it would not have been hard to track down who is doing this and freeze their assets (from a fed agency perspective) or at least block their account (from Twilio's mod team perspective).