I take no issue with it, but if Stripe moves to "fairly standard" processes, at one point do they become just-another-payment-processor? As far as the really b

I take no issue with it, but if Stripe moves to "fairly standard" processes, at one point do they become just-another-payment-processor? As far as the really big players upstream from them were concerned, I doubt they were ever anything else. They still need a viable business model, and it's not unreasonable to protect themselves against a real risk. The problems here seem to be about how they communicated that and more generally the rather arbitrary and one-sided nature of these reserve arrangements (whether Stripe's or anyone else's) from the merchant's point of view.