If I were to build a Bank on top of this, what's stopping Stripe from coming up with their own Banking service that undercuts my bank on every financial metric

If I were to build a Bank on top of this, what's stopping Stripe from coming up with their own Banking service that undercuts my bank on every financial metric imaginable due to their higher margins? Honestly that seems pretty inevitable given Stripe Corporate Card came out almost immediately after Stripe Issuing.