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A couple of Banks don't allow pre-checks, I'm sure a couple others will jump on board over time. The bank shake down scared the banks. End of the day then, it's up to the bank history, if all is good the bank has the choice, if not the choice is taken away. As of right now the majority of adult friendly banks allow pre-checks.
The way the banks/visa works, if it's not being abused - it won't ever go away. Pre-checks do not abuse the ratios, at all.
The the last Visa change was about sharing billing data/cc info with other Companies, which is a privacy violation. So "if you get caught" sharing billing with a different Company, and the person didn't confirm it (like one-clicks work at least) you're going to get fined, maybe get shut down - for sure fined. It has nothing to do with being allowed to do xsales, it has to do with how xsales are done.
However, a few different ways to get around it and stay within the rules, that aren't abusing either. That's what you're seeing more of today.
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