> but what about everyone else pushing for the law but who didn't go?
Who exactly is influential & organized enough across many western countries to push legislation that no one is asking for? Notice that epstein said he worked for [withheld] in some of his emails.
No, the answer is that credit cards allow chargebacks for up to 180 days. Stripe or Paypal is betting on your honesty by allowing you to withdraw sooner. Stray out of their secret "safe" behavior allowed and they deem the risk too high.