(I work at Stripe.) The offerings are meant for different use-cases. Stripe Terminal’s great for developers looking to deploy in-person payments at tech-forward companies. Square’s great for coffee shops and other SMBs!
I'm guessing this means that the setup process of stripe terminal isn't to the point where a non-developer can plug it in and go. Square is great because anybody competent enough to install an app on their phone can use it
The true lesson here is that the bulk of value can be found at the point of the transaction.