Trying to start a subscription-based service
I wish Customers can make a chargeback for many reasons like "I never made the transaction", "the goods never turned up", "the goods turned up but were damaged or faulty and the retailer won't replace them" etc etc
Since your memberships are so long - especially "lifetime" (!!) the banks get even more cautious about who they give merchant accounts to.
Sy you sell me a two year "membership". If, within the next two years, you stopped providing the service, either temporarly or permanently, and did not issue me a refund, I would tell my card company that you had not provided me what I had paid for.
This would start the chargeback process, which would, in essence, end up with me getting my money back, and your merchant account claiming the money back from you.
But say you had closed your business, and had sold hundreds of thousands of dollars worth of subscriptions, and every customer was calling their bank saying they could not access your service! The bank has to pay the money back to the card holder (in the UK this is on the basis of joint liability) - yet would possibly have difficulty collecting all the money back from a business that had closed down!
I'm not saying that you personally would do this, but others would (and have done) and so the banks providing merchant accounts are very wary of sellers of subscription services which is why they are typically classed as "high risk" accounts.