HarveyJ
He is - THE CACTUS!
Yeah, except with porn, you know exactly why you're being billed and what for... and the only thing that's stopping you from stopping them is that you don't want to ring the bank and tell the nice lady on the phone with the sexy voice that you need to do a chargeback against "All Black Anal Sluts that Like Gurgling Cum Dotcom".lest we forget that the porn industry works on the same biz model and it still exists....
Similar business idea / scam got floated in Lock Stock & Two Smoking Barrels. Take out a deceptive add, get people to send a cheque to a regular sounding business name, cycle funds through to account name that's filthy, and send them a refund cheque apologising about how you're stock was seized by customs. Very few people will cash a cheque from "Male Arse Tickling Pleasure Dildo Pty Ltd".