Whereas if you have a turnover of $10k/year, and they're earning only 0.5% of that in fees, then it isn't worth them taking much risk or putting much effort in to earn $50.

It would be nice if people like stripe were more upfront about this. They could easily say "We have determined that your business might be high risk for us. If you pay us $1000 (which will be credited towards transaction fees), then we will work with you to mitigate these risks".

Nowadays people are tip-toe-ing around egg shells constantly to avoid being the latest outrage that goes viral, but that would be wildly refreshing to see. Honesty from companies (even internally when you work for them!) is getting so rare that a blunt and honest message like that makes me happy just to think about.

It would be awesome to start a new cultural movement toward radical honesty. Just being able to acknowledge the realities around incentives would be a great start.

For some people this is apparently okay and desirable. To me it's horrifying, and tends toward centralizing power far too much.