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CCBill (and all other processors) have advanced fraud scrubbing algorithms. Based on many factors they will decide to approve or decline the transaction. Adult transactions are high risk transactions, so the scrubbing is always quite strict (to avoid problems with their merchant accounts).
Different billers use different fraud scrubbing algorithms, you can get declined on one processor and be approved at another (for a whole array of different reasons or a combination of reasons). It does not necessarily mean that one biller is better or stricter than the other.
Unfortunately the scrubbing is necessary and a percentage of perfectly valid transactions will be declined. Without scrubbing most merchants would not survive though.
If you get your own merchant account and a gateway such as Netbilling you can set your own scrubbing criteria.
The email thing instead of sending them to the next cascade is probably a setting in CCBILL, or it only does it for certain transactions. In a normal setup declines will always be forwarded to the next biller. The amount of declines before it sends it to the next biller is also definable at most billers.
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