> That list looks to me mostly like a list of things that are either scams

That's easy to say right? Oh it's a scam.

I can't use Stripe because my business falls into the "Scam" area. Am I a scammer? No because otherwise my business would have failed years ago.

I happily use another competitor. I haven't had any issues with them and since I am not a scammer, I don't foresee any either!

Remember. One mans ITS A SCAM, HE'S A SCAMMER is another mans very successful business which people don't have a problem with.