Which sounds like an opportunity, doesn't it? Fraud free adult patreon.

It's not like every other adult site sells fraud as a feature. It's just really difficult and expensive to prevent. A single chargeback can cost the merchant up to $100 in fees.

But how would you go about implementing insurances for the fraud-free part?

That would be the product, right? Honestly, no idea. But IMHO an adult site that's secod purpose is not to spread malware and defraud people, while simultaniously making sure creators have a stable income should be a viable business.

Just use crypto-currency and you don't need to worry about any chargebacks.

You also don't need to worry about customers since there won't be any.