> I'd bet dollars to donuts they don't have a say about it nor the power to change their own terms
That's pretty clear given in their terms under the section titled, "Products or services that are otherwise restricted by our financial partners". Like most companies, they are beholden to their upstream providers.
Regarding the "controlled substance" bit, Stripe actually says Kratom mimics known drugs which is false (nature doesn't mimic synthetics). I brought this obvious error up with Stripe in my Twitter DM and I'd bet dollars to donuts they don't have a say about it nor the power to change their own terms due to Capitalist US regulations working hard to keep Big Pharma's thumb on our noses.