If so many other cases didn't end the other way in the US, there may have been a point. Websites aren't accountable for user content published on their servers. Gun manufacturers aren't accountable for school shootings, fast food isn't accountable for the obesity crisis. Police aren't accountable for shooting black people.
There's a lot that needs to change, but I don't see these businesses bothering. So forgive my lack of sympathy.
Websites aren't accountable for user content because of the DCMA and Safe harbor laws protecting them from the risk of what users post [1]. Gun manufacturers are protected from liability by the PLCAA [2]. Police aren't held accountable because of qualified immunity [3].
What i'm saying is no such protections exist for financial transaction that occur on a network. Infact, the opposite exists, laws exist (called Know Your Customer [4]) that specifically hold financial networks (like Visa and Mastercard) liable for allowing transactions related to fraud, money laundering or other high risk transactions like gambling and adult entertainment.
There's a lot that needs to change, but I don't see these businesses bothering. So forgive my lack of sympathy.