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.