They don't need to. I'm saying that we've seen the same pattern for a while now, and puritan groups have enough money/influence to dictate a lot of how the online world looks like now.

I'd argue Visa/Mastercard could deal with the issue if they really wanted to, but as you point out they're following the money, and I wouldn't expect them to do otherwise either. I still think they share the blame (being opportunistic doesn't mean being above criticism), but you're right that more or it lays on other shoulders.