AFAIK, the moralizing comes from higher up (Banks, Visa, Mastercard), instead of Stripe themselves. Alternatively, it could be a category of transactions that

AFAIK, the moralizing comes from higher up (Banks, Visa, Mastercard), instead of Stripe themselves. Alternatively, it could be a category of transactions that eventually almost always see high fraud (e.g. kids paying for essays using parent's money, parents reporting the transactions afterwards).