That's the point. In a world in which citizens are finding it harder and harder to engage in commerce without the use of these payment processors, we need to m

That's the point. In a world in which citizens are finding it harder and harder to engage in commerce without the use of these payment processors, we need to make it harder for them to deny service without just cause. You argued that it was due to the prevalence of chargebacks but they already have a fair solution for that (banning vendors or simply requiring vendors to secure their accounts with collateral to manage that risk).