Sometimes their spouse sees the bill, and they deny that they made the order so hard that they actually go through with making a chargeback for a purchase they know they made
There are payment processors that will work with these companies, they just charge more because of frequent chargebacks and legal risks. If a porn company found a way to solve these issues, they might not have such troubles, but that's obviously not really feasible
All I ask is that meme thieves actually save the picture instead of screenshoting it