I'll agree that some of the rules set by the credit card companies are very stringent, however, I understand that they are merely looking after their own/best interests (like a corporation is supposed to).
So, if they want to apply new terms or rules, daily, to those that use their service, so be it - it is up to them to do as they please.
After all, nobody is forcing us to use them - we are merely using one of many payment/purchase systems that are already in place, because it makes life easier.

Do not like their rules? Prepare to have an even bigger bite taken from your wallet and use anything BUT them!
Cash (mail-in); money orders (mail-in); alternate cards; dialers; pay-by-phone; token systems; money or fine metal currency exchange/traders etc. (Christ - these are things we all should already be using ... JUST IN CASE!) The choices are limitless, really.
You/we simply decided to take the easy road. Yet, every time they decide to add a curve in the road we think they are breaching some "code of ethics" which suits us best, because they no longer are accommodating to our industry.

MAYBE if EVERY adult site stopped using them they would hear our cries and bend a little, but that is not going to happen because we are too money hungry and too quick to complain.
Our comfortable ways are being modified (change) and we are frightened.

Pull 'em up and do whatever it takes to ensure you do not support the system that you do not agree with. OR, align yourself with them (follow their rules and regulations) by doing what they ask.

Again: support the so-called Nazis, or don't!
It's up to you, and nobody else.

My two-bits, plus a bunch!
(MHO)