https://help.gumroad.com/article/156-gumroad-and-adult-content
This is a recent one that came up, but this happens every few months. If payment processors just did their jobs there wouldn’t be as much of a need for other ways to do transactions. It’s also still a pain in the ass to send money to individuals in other countries even when everything works the way it’s intended.
Someone being there to find them in the first place might be a factor in all this.