I don't know. I'm new to this. Just something I learned along the way.. lol I was like wtf. I can see why people do it. Thought I'd mention it because its counter productive to 2A as a whole where the bad apples ruin it for the rest or make it more difficult for the new guys to come up.
Part Walmart, Part Wholefoods here in CA these days with all those Staccato's. $3,000 glocks are coming to CA just watch.. lol.
While you may have been told that it was because of chargeback issues, the odds are far better that the Anti-2A culture was the reason. They are just doing it for the children... by making it as difficult as possible for law abiding citizens to exercise their 2A rights.
While I know you don't like to introduce "politics" into the equation (for GOOD REASON!), there has been a VERY strong movement by Anti-2A activists to force CC issuers to section off and create "special" 2A related CC codes and brand all those transactions as "socially undesirable"... once identified it's easy to say "we don't serve your kind around here".
I won't say anything further, but just because you aren't paranoid, doesn't mean they aren't out to "get" you. You have come to the realization that pro-2A people are usually "good eggs", I've seen the same, but I've found that many friends and family have been "poisoned" by anti-2A propaganda and the emotionally manipulative way firearms are portrayed in the media. People believe things they see on the Internet, regardless of whether they are TRUE, and it's one reason that we SHOULD be willing to have honest discussions when there are "issues".
As an aside, you'd be shocked at the level of pressure certain agencies put on FFLs because of "it's for the children" political pressure... MANY have gone out of business or bailed from CA because of that "get them bad apples" mindset that is insidiously present!
As far as Kes's personal situation, I will only say that personal life circumstances can sometimes be insurmountable, and being thrust into a "caretaker" position can put anyone off the rails. If you haven't walked in those shoes... be thankful. And if you have, you know that showing some mercy, grace, and understanding is much needed.