Even though not as large, another company/service should be able to fill the void.
I have seen rumors about us gov and other govs pressuring cc authorities to do things in certain ways as well, however my senator says there is no proof rumored pressure changed anything in one case that I write about.
there is demand and market for many things that the CC companies make difficult or impossible, the problem is the CC companies make it difficult or impossible to provide to those markets.
Threats from the CC places make many places move to the side of err caution and further marginalize groups. In some cases simply removing some of the banks and such that will do business with some groups gives the few banks that do leverage to charge exorbitant fees and people live with the constant threat that their fees will go up, or the bank will give up and they will have no provider at all.
This changes published expression even when there is an option.
https://en.wikipedia.org/wiki/Operation_Choke_Point
Operation Choke Point was a 2013 initiative of the United States Department of Justice,[1] which would investigate banks in the United States and the business they do with firearm dealers, payday lenders, and other companies believed to be at higher risk for fraud and money laundering.
This operation, disclosed in an August 2013 Wall Street Journal story, was officially ended in August 2017.
...
On May 29, 2014, the U.S. House of Representatives Committee on Oversight and Government Reform published a highly critical staff report that concluded:[21]
“ Forceful prosecution of those who defraud American consumers is both responsible and admirable. However, Department of Justice initiatives to combat mass-market consumer fraud must be legitimate exercises of the Department's legal authorities, and must be executed in a manner that does not unfairly harm legitimate merchants and individuals. Operation Choke Point fails both these requirements. The Department's radical reinterpretation of what constitutes an actionable violation under § 951 of FIRREA fundamentally distorts Congress' intent in enacting the law, and inappropriately demands that bankers act as the moral arbiters and policemen of the commercial world. In light of the Department's obligation to act within the bounds of the law, and its avowed commitment not to "discourage or inhibit" the lawful conduct of honest merchants, it is necessary to disavow and dismantle Operation Choke Point.
However I am sure that banks were indeed discriminating based upon it, in some cases refuses accounts, in other cases charging higher fees. Taking advantage of marginalized access to banking based upon 'possible scrutiny as laid out by the choke point initiative'
There may not be any evidence in that they can refuse service or raise rates and blame this or whatever that, however lets be real. The govs telling private money handlers if they touch money that was part of these things we don't like, err, have a higher chance of fraud, then we will send fed investigators to investigate you - well...
here is a list from the linked wiki mentioned in parent comment, partial / edited,
Ammunition Sales
Cable Box De-scramblers
Coin Dealers
Dating Services
Drug Paraphernalia
Escort Services
Firearms Sales
Fireworks Sales
Government Grants
Life-Time Memberships
Mailing Lists/Personal Info
Money Transfer Networks
On-line Gambling
Pharmaceutical Sales
Pornography[5]
Racist Materials
Surveillance Equipment
Telemarketing
Tobacco Sales
Travel Clubs
We do indeed need better ways for people to use decentralized payment options like bitcoin cash, or , zcash, monero and similar. However from what I had seen some time ago, the hard part is getting money into the coin. Using CC or banks for this makes it harder in the US than I think it should be.We have seen this over and over. Any organisation that provides some sort of useful service will inevitably end up hiring activist employees that take extreme positions and threaten to cause as much chaos as they can if they don't get their way with regards to eliminating conservative customers.