I can't speak from experience but I doubt Stripe would just freeze everything and demand my full social security number instead of the last 4 they requested. I

I can't speak from experience but I doubt Stripe would just freeze everything and demand my full social security number instead of the last 4 they requested. If they ask for bank statements and other pieces of info, that's fine. The user experience is just better with Stripe because they know 99.999999% of people won't be doing 10k+/day.