It'd be interesting to find out what sort of impact the COVID situation had on chargeback rates. I don't have the data, but it's rational to assume that the num

It'd be interesting to find out what sort of impact the COVID situation had on chargeback rates. I don't have the data, but it's rational to assume that the numbers grew across the board. Stripe doesn't have any obligation to hedge for that risk, but having a quarter of income staked so they have no downside probably erodes infinite amounts of brand value in the long tail of their customer base. Hope somebody at Stripe is still able to reflect and see this perspective because it seems like their mission was always to make payments accessible to those who can't secure a merchant account. It'd be a shame if this type of approach to payment processing proved radically inferior to the old ways.