I'd wager if Adam didn't have over 100k followers on Twitter, and wasn't a big deal in the web development community (most have heard of either him, or at least TailwindCSS), he'd get the same treatment as the OP, which is "you did one or more things wrong that's listed on this huge page of conditions, go figure it out."
I'd imagine many "coaches" promise the world and deliver very little. They likely have very high chargebacks / returns / disputes that Stripe would rather not deal with.
How is "coaching" an obvious gray area?