Steam has now implemented a new guideline for developers which worries me and see me less protected as a consumer.

Steam guidelines:
What you shouldn’t publish on Steam:

1. Hate speech, i.e. speech that promotes hatred, violence or discrimination against groups of people based on ethnicity, religion, gender, age, disability or sexual orientation
2. Nude or sexually explicit images of real people
3. Adult content that isn’t appropriately labelled and age-gated
4. Libelous or defamatory statements
5. Content you don’t own or have adequate rights to
6. Content that violates the laws of any jurisdiction in which it will be available
7. Content that is patently offensive or intended to shock or disgust viewers
8. Content that exploits children in any way
9. Applications that modify customer’s computers in unexpected or harmful ways, such as malware or viruses
10. Applications that fraudulently attempts to gather sensitive information, such as Steam credentials or financial data (e.g. credit card information)\
11. Video content not directly related to a product that has shipped on Steam.
12. Non-interactive 360 VR Videos
13. Applications built on blockchain technology that issue or allow exchange of cryptocurrencies or NFTs.
14. Applications with advertising-based business models.


The new one:
15. Content that may violate the rules and standards set forth by Steam’s payment processors and related card networks and banks, or internet network providers. In particular, certain kinds of adult only content.

So can anyone at Steam explain this to me like i am a child?, does this mean that when a developer publish a game on Steam which does not violate any rules 1-14 yet a Steam payment processor(Visa,Mastercard,or whatever rule 15 third party) disagrees the game does not see the light of day to sell on Steam, and or can possible be removed from your library as a consumer?. Is Steam and its users now beholden to entity's that changes rules at the drop of a head?, which is as unpredictable as the current USA presidents foreign policy?.
Rule 1 to 14 make sense to me, but 15 is so broadly applicable and undefined, that everything can violate that rule.

So my questions are at follows:
1- Are developers now beholden to the ever changing minds of payment processors?. And have no protection against them so they can forced to be unable to do business at the drop of a hat?.
2- For consumers, can games retroactively be removed from our libraries if the parties in rule 15 want so?.
3 - Is Steam looking for alternatives in payment processors who are more freedom of speech minded, like we have Ideal here in the Netherlands. Or maybe a Steam points system where you can pay for points to buy games, i don't know.
4 - How can we as a community stop this from happening and that unrelated third parties force their undemocratic/misguided polices on consumers.

To my knowledge the parties mentioned in rule 15 are not democratically elected and have no law making abilities, while they can refuse to do business with anyone they also have to abide to the USA constitution and its laws. But i am not a US citizen so i am unfamiliar with the laws, but i am very worried since nearly all my games i play are on Steam and if they can be removed or Steam is forced to apply censorship by a third party, the situation change dramatically in such a way that i give up gaming completely or look for alternative methods for acquiring my games. We know what is happened to other sites where this has happened, so the future is looking rather grim.

PS: Keep discussion civil and on point, don't feed the trolls, thank you for reading.