I don't think there is any argument here isn't that everyone should build their own payment stack, or their own shopping card, or invoicing software. It's that

I don't think there is any argument here isn't that everyone should build their own payment stack, or their own shopping card, or invoicing software. It's that other companies that have built on top of Stripe as a platform are all being eaten away at, and often done in a way that a "stripe platform" user can't compete with (either through private APIs, or across-the-board data access, etc). Stripe bills itself not just as an end-user service, but also as a "platform". The argument is if you effectively kick your "business partners" off your platform as soon as you want to do the thing they do, then you're not really a "platform".