Stripe is vulnerable, because there are always scammers working every angle they can. But a legitimate Stripe customer is even more vulnerable, because Stripe has many customers, but each customer probably has one payment processor. Stripe can err on the side of caution and put a customer out of business with little risk to itself.

So, I'd like to see Stripe feel enough heat that they decide that any time they suspend service for a customer, that customer is (1) immediately entitled to talk to a live person at Stripe with the authority to undo the suspension (probably probationary and with limits while being appealed and investigated) and (2) guaranteed a quick resolution process that involves access to real people with authority.

If Stripe's policies are that going with them means living with a Sword of Damocles forever hanging over your head, that should be well-advertised whenever they are discussed.