Well, to be fair in a sense it is confusing - the two are very much interlinked.

It's not so much that there are religious lobbies doing this, but rather that payment processors have to bow to the fact that customers in many countries have religious objections to buying adult content and even the fact that it exists

It also manifests in a lot of other ways. The reason adult content is seen as high risk is because of the large frequency of people using chargebacks on it, and some of the reasons for that are:

- Buyer's remorse due to religious shame / the idea that watching pornography is evil, only one thing in the world promotes this view

- Unclear previews of NSFW content because of censorship laws, many of which are religious in nature - much of the world doesn't even allow you to buy or trade in pornography, so people buy something and then it's not what they expected at all

As a result of this stuff, it's very much that the two problems are one and the same - the high risk is, at least in large part, caused by religious views towards sex. It's not the sole cause, but it is definitely the primary cause.