Think about how much complexity Stripe abstracts away from you as its user. In the US it might seem "simple" in that it's just cards, but each network/acquirer

Think about how much complexity Stripe abstracts away from you as its user. In the US it might seem "simple" in that it's just cards, but each network/acquirer behaves differently enough that even that isn't easy. Now incorporate payment methods that aren't cards -- which are way more popular than cards in other parts of the world. Then think about decoupling the payment method from the geo. And then decouple the pay-in from the pay-out. We're not even talking about their other products at this point, and already it's a pretty complex business. The fact that we can think "what's so hard about that?" is declaring Stripe's moat without even knowing you did it.