Why should it require specialization at all besides that laws pushed by religious conservatives to advance puritan ideals demand it? Don't be a doctor if you aren't willing to help your patient exercise their right to choose and don't be a payment processor if you're not willing to process payments in a neutral fashion. It's rediculous that at a time when equity and #metoo is all the rage that no one is talking about inequity in the law in the form of legal sandbags.