Still wouldn't address the root problem here: payment processing companies have the power to just deny payment from even happening.
Unless you're referring to making a federated platform that instead allows devs to connect with buyers and make transactions off channel.
Would limit widespread issues like this but now you're opening a whole new can of worms with trust
The funny thing for me is I swapped to fedora after my last attempt to use arch failed spectacularly.
I've found I'm at a point where I just want my device to work and work well