OF wasn't started as a porn site, more of a site for people with certain interests (music, cooking, fitness etc) to create content to sell.
Granted porn was what caused it to grow huge and the pandemic helped that along nicely.
They decided to ban porn not because of credit card companies, but instead it was banks and their inability to raise capital. In fact OF complied with all the rules the credit card companies had introduced.
I doubt EF is in the same boat