最近、決済プロバイダーのKYC/KYBがめちゃくちゃになってると感じてる人いる？

It's definitely not just you. The regulatory environment has tightened considerably, leading many providers to err on the side of extreme caution, often resulting in these frustratingly slow and repetitive processes. It's a balance between compliance and user experience that few seem to have mastered.