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I wouldn't say that created the demand for free porn. No one wants to pay for anything if they don't have to. Certain groups capitalized on this and created a way (tubes) to get a lot of traffic and sell them on different offers, like dating, cams, or just advertising space for example. Sadly, they did this by exploiting copyright loopholes and outright theft.
Fucking over customers may have made a few players some nice money, at the cost of the entire industry. High risk / adult processing is scrubbed so hard these days. Add to that many, legit customers, are added to blacklists / negative databases daily because they were practically FORCED to charge back at some point.
Either way, processing resources are going to run out eventually. More and more banks are simply going to block merchants that process high risk transactions (this is already happening), and ratios are just going to get worse as time goes by.
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