Read the whole comment because that statement is not an excuse, it is simply a nod to how it differs from other payments. The rest of the comment explains why I think the situation arises like this. It really isn’t hard to read so try and if you think your understanding clashes with my explanation of my comment feel free to assume I’m bad at making a point and read it in good faith.
I clearly don’t understand your issue with what I wrote, and won’t with more accusations of being like a redditor.
I will respectfully disagree, I can't see your comment on topic. you said "The only thing that impacts this really is chargebacks, which iiuc are much more common with adult stuff." and this is something claimed about porn sites but explain how this applies to Steam or GOG, please explain clarly or admit it does not apply.
It’s not about chargebacks. If you can’t understand that from the comment and my followups I’m not able to explain it clearly enough for you and we should end it here, have a nice night.