It’s happened 2 times in my many years of adulting.
First, tried to buy a laptop with shipping address different from billing address. Called them and confirmed I was not a scammer.
Second, bought propane at a gas station, then tried to buy gas. I’m guessing multiple purchases at a gas station indicates stolen card about to run a scam.
The merchant gets charged back for fraud which is why they care.
Criminals are housed and fed in exchange for staying away from regular society.
The disabled are housed and fed in exchange for not having to watch them die of starvation in the streets.
Having these institutions be nice places to live is secondary to their primary goals. Most of the time they’re out of sight, out of mind.
Pick a provider which lets you bring your own domain and you’ll never need to change address again if you move providers.
Search “paypal chargeback”