In my experience as well, the above is totally true. People should atleast now understand and acceprt the reality, that in 99% of suspensions showing as due to suspicious payment, in reality it is NOT due to payment or billing or card(s) : it is due to improper account creation and / or improper campaign setup .... And by "improper", we mean improper as per the general algorithms and review algorithms of Google Ads.
People think that suspensions showing as due to suspicious payment is due to billing method, card, etc and they go on trying new cards, new IPs, etc and keep getting accounts suspended due to suspicious payment. However, they are not changing their account creation method(s) and not experimenting with their account creation method(s), and hence they keep getting account suspensions. Anyways,
@GhostGz , people like you, me,
@ppcads @ali78691 , etc are trying our best to make people understand the above, for their benefit.