Upwork is charging to connect clients to freelancers. They're taking a very significant commission to process payments + provide a platform. 10x more than a t

Upwork is charging to connect clients to freelancers. They're taking a very significant commission to process payments + provide a platform. 10x more than a typical payment processor. And they don't have insurance to cover fraud? No way to uncover fraud in a timely manner? Payment processors do better... Stripe for example charges 0.4% for chargeback protection. WTF is Upwork doing here?