How would Gumroad prevent this? Hell Gumroad has an entire FAQ devoted to account suspensions so it's clearly an issue for them too.

Isn’t Gumroad runs on top of Stripe itself?

Looks like that might be the case. I might have been confusing Gumroad with Braintree. I was only attempting to give an example, not advocating for one specific processor.

An alternate processor while stripe figures out the mess - revenue keeps coming in.

Gumroad has their own failures, but if ANY issue with payment processing is intolerable, don’t bother running a business.

In this case, it’s likely that they have set up recurring SEPA debit payments. Changing the payment provider won’t keep the revenue coming in - it would require every customer to sign up for debit again. And when stripe figures out the mess, you need to consolidate the two providers or you’ll end up debiting twice.

I wonder of a health club is preventing account cancelation, playing games, and end users are doing chargebacks.

A dormant account that suddenly gets a large influx of new users sounds like a great way to get auto-banned by some stupid automated process as well, just when you most need them to work :-}