That's how it used to be in Adult as well. I had one major sponsor (of old) "bounce" a check when they changed banks. He wrote me a check from his personal account and sent it via Fed Ex and volunteered to pay any additional fees. He was very apologetic about the whole thing.
Back then being an affiliate was more of a partnership. These days it's often more one way with the sponsor looking for every way they can to possibly screw you over and minimize you. The whole attitude has changed and it shows. 95% of programs by old standards are operating a scam on affiliates. But that's the old standards. It's very different now what is considered acceptable... I'm thinking more and more of flat out refusing to send any traffic to anyone who doesn't live 100% up to my standards on what I see as an ideal affiliate. Perhaps that's better than settling and growing some crook's business for them.
It might mean staying out of some areas but so be it.