It is a hard lesson with an expensive solution. I agree with you, as you grow, you have to diversify. However, services like Stripe Connect are more difficult

It is a hard lesson with an expensive solution. I agree with you, as you grow, you have to diversify. However, services like Stripe Connect are more difficult and time consuming to replicate. Stripe connect handles the processing of many different accounts and handles skimming the commissions and then depositing the proceeds into the individual bank accounts of your users after doing some cursory KYC. This service is of course not compatible with similar services offered by other processors, so you will have to write all the handling logic and integrate with the KYC providers and possibly separate ACH deposit providers on your own. In other words, there is a lot of lock-in with services like Stripe Connect.