I think your response is very disingenuous in the sense that nobody owes Stripe any protection for this. Their job is to mediate the risk as a payment platform,

I think your response is very disingenuous in the sense that nobody owes Stripe any protection for this. Their job is to mediate the risk as a payment platform, that’s why you are outsourcing payments to them in the first place. They also market themselves as having advanced fraud detection capabilities and smart dunning capabilities totally meant to encourage customers to rely on and plan around those features. If Stripe needs a buffer to handle increased chargebacks, that needs to come from Stripe’s own revenue, not customers. Imagine if an insurance company suddenly started retaining 25% of benefits owed because there was some event in the world (natural disaster, pandemic) leading to a much higher rate of claims. It’s totally bogus for anyone to say that’s fair just because reality dealt a tough hand to that insurance company. It’s fundamentally their responsibility to remain solvent and fulfill benefits without externalizing higher premiums or holds or anything onto customers.