Okay, I get the chargeback argument, but there's still a sizable difference between telling your (e.g.) wife, "I bought access to Slutty BLondes with Big Tits," and, "I bought myself a year's subscription to a journaling site." Plus, they could, but apparently don't, use the same argument to refuse working with LJ. So I still think there must be some other reason they don't want to work with DW...