> 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.
There is quite a lot of logic and I'm sorry that I was so brief that my point escaped almost everybody here. Both merchants and customers are "statistically" equated to criminals, forced to do any online business in a closed ghetto. Which does not leave much business opportunities.
Going to an analogy which might make it easier to understand, say you live in Oakland, CA, and by law you can not open a bank account or possess a weapon because your neighborhood has statistically higher crime rate.
I understand people usually don't care much being on the other side of the fence, you lose what, 10% of sales maximum. But please try the mental exercise of being a well-intentioned business on another side.
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.