The problem is that it isn't Patreon making these rules. It's the giant payment processors that handle credit card transactions. Patreon isn't all that big a fish in the corporate world, and they have people they need to appease too.
unrelated but does any one know if dungeon has any use in act 3 ? in act 2 it had the spanking thing + halloween thing but in act 3 where id assume it would do more it doesnt seem to do anything yet?