You're the guy who thinks the Porsche could be improved by adding a flatbed, another row of seats, and a lift kit with mudding tires.

If you want paypal, why not use PayPal?! You think Stripe could turn into an multinational bank/processor/transmitter/card network/tokenizer/anti-money laundering quasi governmental entity plus whatever the hell else PayPal is without having the same problems PayPal does?