[rsync]

"I'm confused. Are you trying to say that Stripe is violating their own policies by offering a clearing-house API to facilitate their customers getting loans from banks?"

I think your parent is expressing (among other things) frustration about the fact that Stripe is presenting this product as a very modern, very Internet-based, very progressive product that we expect will be governed by the same kind of opaque, sometimes capricious enforcement of ToS/AUP that google uses to unexpectedly lock people out of their gmail accounts or "de-monetize" their youtube accounts for no discernible reasons ...

... but at the same time, this isn't a free email account and it isn't a video service - it's serious, grownup business involving real money.

So the question becomes, what kind of people are manning the back end infrastructure and how much of it is driven by algorithms ? As your parent describes, he can go to an actual bank and sit down with a real employee and have a substantive conversation with nuance and understanding ... which you can't have with an algorithm.