yes, but there are other issues. a couple large programs got stung with HUGE fines because their affiliates misbehaved and they were held responsible. also ccbill has previously turned off a couple programs where the affiliates linking to the site were using questionable language or models.

and then there's fraud. the larger a program is, the more fraud they risk encountering. we've had a couple people who used huge databases of credit cards that were not their own to sign up for a few new memberships per day.