> Which must be contributing to the online crime coming from this countries, since if you are already treated as a thief, why not just be one? :)

There is absolutely no logic to that statement.

Not being allowed to do business on a site because your country has a statistically high incidence of fraud is not the same as being treated as a thief.

Being treated as a thief would mean to be wrongfully prosecuted for a crime you did not commit, not being allowed to do business in the way that you prefer is not a punishment, it's an inconvenience, even if it is a substantial one.

'blame the merchant' seems to be the approach taken by most companies that are in the payment chain, our payment processor actually blocks a whole slew of countries and it might lose us the occasional sale but at least we get to stay in business.