Yeah, in other words, Stripe engages in exactly the unethical behavior I described above. Why does Stripe not insist on requiring customer consent for this fea

Yeah, in other words, Stripe engages in exactly the unethical behavior I described above. Why does Stripe not insist on requiring customer consent for this feature created supposedly for their convenience? And we all know why: because a lot of customers would not consent to the thing Stripe does supposedly for their benefit. And then you couldn't write articles and sell Stripe as a solution to extracting money from people who, in many cases, don't actually want to be customers. You can blame people for not handling their finances better or claim that "everyone else is doing it" too, just like banks do with overdraft fees, but that doesn't make it less evil. Rationalize it however you want. You're hurting poor people.