One of the remaining 3rd party Reddit apps (Relay) has begun discussing what it would be charging for subscription fees. Imo, they actually seem somewhat reasonable. The weird thing is that every upvote or downvote is an API call so you can rack up a huge number of API calls from voting.
Also, while the costs might be reasonable now, there’s nothing preventing Reddit from jacking up prices again.
Edit: Also, there wouldn’t be any NSFW content with the app.
I’d say the same reason as usual - the card processing companies are led by hypocrites and they don’t want to allow payments for NSFW stuff.