[Waterluvian]

I think the answer is that you’re falling victim to some biases in how you perceive the problem.

You’re not hearing from all the happy customers and you’re possibly getting info from sites that heavily bias towards high tech and strong, loud opinions.

[grumple]

Usually, when there's smoke there's fire. For example, until now I haven't complained about Twilio or AirBnB despite having major issues with both recently. Most of us stay quiet and just switch vendors. People complaining on the internet are a tiny minority of people having issues. This is a well known problem when it comes to bugs with your software too - you'll get one report and find out it happened thousands of times.

And in many cases, you might not have an issue now. But you learn how the company could treat you when there's a problem, and that's something worth learning.

[Waterluvian]

Hmm. This all sounds reasonable. I’m going to have to mull this over and possibly re-reconcile my perspective on the topic.

[psyfi]

Adding to that, Stripe can suspend service for a user without holding money for months with no communication.

Bad communication + holding all money for long time, is not fraud prevention, it is a horrible service, and this has been mentioned by dozens of business owners so far and is not a specific case.