Anyone else finding KYC/AML a moving target lately for crypto payments?

Starting to feel like I'm playing whack-a-mole with payment providers for crypto-related transactions, especially when trying to on-ramp/off-ramp larger sums. It used to be a case of ticking a few boxes, sending over the utility bill, and being done with it. Now, it seems like every other month, there's a new layer of scrutiny, additional documentation requests, or outright rejections without much clarity.

I get the regulatory pressures, absolutely, and no one wants to facilitate anything dodgy. But the sheer inconsistency across different PSPs (even those reputable ones) is becoming a real headache. One week, they'll accept a certain type of proof of funds; the next, it's not good enough, and they want bank statements going back to the Stone Age. It makes forecasting liquidity and managing capital flow for speculative plays in the $BTC or altcoin space a lot more unpredictable than the market itself sometimes. Anyone else experiencing this increased friction, or am I just getting unlucky with the KYC gods lately?