There are several categories of service which are in this category where a private company's decision not to service certain customers amounts to a problematic

There are several categories of service which are in this category where a private company's decision not to service certain customers amounts to a problematic (and sometimes arbitrary) discrimination. Credit cards & financial services, payment processing, insurance (auto, health, tradesman etc.), some rental markets. There are a bunch. These tend to be oligopolistic or monopolistic markets where where decisions are made methodically by algorithms, actuarial & statistical analysis & such. Low margin industries. The problem is that accessing health or financial services is something bordering on the realm of human right. I understand and sympathize with the objection to the proliferation of"positive" rights. The "right to housing" for example has been tried and (not everywhere) failed or at least caused a lot of collateral damage. But, I also sympathize with the statement that access to (for example) financial services is pretty fundamental and needs to be accessible to everyone in order to maintain a base level of egality necessary for democracy. So if by whisky you refer to….. It's a hairy problem. I think square & paypal should make it a priority to be fair in a common sense way, even if it raises costs somewhat. If not, they will eventually get stuck with ombudsmen or regulators.