> since Stripe is becoming more hostile and banning customers and shutting down their accounts for no reason

Start using Ethereum, it prevents this. Stop using intermediaries. The solution is right in front of you, but you're too distracted by the scams to see what the technology enables.

Yes it's unfortunate that so many scams exist and give the entire ecosystem a bad name, but scammers exist everywhere. Is email a scam because of scammers? Are phones a scam because of scammers? Is the stock exchange a scam because of scammers? No, and this is no different.