They're reluctant to take on risk, but that doesn't mean they want to have to suss out what's safe for them to transact & what isn't. I'm sure they've had to grow headcount to tackle this expanding question, and they certainly don't consider it as driving up business value: it's a growing overhead to avoid risk, without cutting off too much business, and without becoming too visible/noteable for refusing service. None of these activities are in any way a win.