> Economically, some people get ashamed, embarrassed or outright offended that paying for sexually explicit material somehow makes that person property that owe them anything they like in return

That's quite the assumption.

> so chargebacks in this sector are extremely high.

Or,

1. Many of these transactions will be impulse decisions that are made during periods of reduced cognitive function so will have higher rates of regret than other content.

2. People might not want to admit that they made the purchase when their partner/guardians find out about the charge.

A friend of a friend is a very very popular performer on onlyfans, and my friend noted that she is flush in amazon gift cards (at least when he told me this like 2 years ago). That seems to be the primary mode of payment because it looks innocuous in bank/credit card records.

Aren't there also issues of borderline fraudulent behavior from some of the creators? IOW Content producer claims they update on X or Y cadence, in reality they update a fraction of that time (or never) or the quality of content they produce is a fraction of what they use to get people to initially sign up for the service.