The problem is that these are American companies. And unlike the credit card companies who've been around for decades, they haven't yet had much international e

The problem is that these are American companies. And unlike the credit card companies who've been around for decades, they haven't yet had much international experience, so they're still in the American habit of enforcing their moral code as part of their product. Once they've had a decade or so to mellow out, we'll see a lot less punishment of people who don't match their moral ideals.