The bottleneck is the Mastercard/Visa duopoly combined with the modern banking system. At the end of the day no amount of Patreon vs Shopify style business mode

The bottleneck is the Mastercard/Visa duopoly combined with the modern banking system. At the end of the day no amount of Patreon vs Shopify style business models for adult entertainment work fixes the fundamental payment risk problem. Onlyfans helped amortize the risk somewhat by spreading across multiple payment providers and controlling the UX tightly but even so they still had to change the pricing policy. Mindgeek/CCBill are the Paypal/Stripe of adult entertainment payment processing and it is not an easy field to "disrupt". You can put the best actuaries and machine learning engineers in a room and it would be doubtful if they could come up with a better risk model without fundamentally altering the method of transaction. (Crypto is often touted as a supposed fix for this sort of things but I am not knowledgeable enough about it to comment, somebody else please feel free to chime in.)