Swordfish, most experienced Dommes are aware of all these methods. and many of us have used at least one of them at one point (some still do).

The problem is that using them is a risk. All of them are explicitly against adult transactions -- even if they're legal.

Risks for the Domme:
- The processor discovers what She is doing and Her account is closed and Her funds confiscated (multiple people have reported this with PP)
- A nasty person (client, other Domme, rando) reports Her as engaging in "prostitution" or otherwise selling adult services and that may be all it would take to get Her account closed

And with the way things are going with the War on Sex and Bodily Autonomy, another possible risk is both parties being added to a database of "trafficked/traffickers".