Have worked in payments for over 25 years. Yes it's complex. But with the charge rates and volume they absolutely can do better. And no my business not violate the ToS. It was considered high risk due to high value of transactions despite exceptional contracts, client signoff forms etc.
Then time for them to group up and change the game. Not going to make excuses for corps. It's their responsibility to push, not mine to apologize for them.
The game is working out well for them. Why would they want to change it? What's next? Lebron should push for rule changes that make it easier for short guys?
The difficulty of their situation (ie threading the needle on providing value while toeing the line from a reg and stakeholder standpoint) is good for them. They don't want it to change. This is 101 stuff in business.