I don't think that's accurate. I do some payments that are ridiculously suspect but legal. I have never been completely blackholed and given robot responses,

I don't think that's accurate. I do some payments that are ridiculously suspect but legal. I have never been completely blackholed and given robot responses, any time a problem comes up. Stripe is lower margin than other banks/payment providers, so they don't look very hard. They have a very strong incentive to throw away troublesome customers, which they do. I don't think it's right to say Stripe's "hands are tied". They could spend more to identify false positives, but they don't. If I used Stripe for all of my transactions I would be blocked. I know this because I have 100% confirmed this from an inside source at Stripe and at a countries central bank. Yet somehow I have and continue to maintain accounts with other banks without breaking the law.