Payment processors could assign reputation to longtime users, and they could have a vetting process to users as well, just like banks do. Get their full credit

Payment processors could assign reputation to longtime users, and they could have a vetting process to users as well, just like banks do. Get their full credit history, all the info of their owners, etc. They could also communicate problems more clearly and provide better support to those who are sanctioned. It's a reasonably solveable problem.