An advantage of crypto is that you can accept it directly. If you choose a centralized option, you're intentionally moving away from what you're suggesting the crypto space was set up for.

As for "companies like this", pretty much every company in the crypto space has terms and conditions. There's no reason why a "crypto native" company will have a more generous interpretation than a company like Stripe.

https://help.coinbase.com/en/coinbase/other-topics/other/doe...

https://www.gemini.com/legal/user-agreement#section-account-...