I'm not sure, but i feel like what is missing here is "Stripe does some things differently to other payment providers, via our immediate onboarding via a sub merchant account. Prior to Stripe, everyone had to go through pages of paperwork and wait week/s for an approval or non approval. For 80% of the market, that was a terrible waste of time. However, there is a % of the market that does benefit from having someone perform a deep level of due diligence. We've made the trade off whereby we can't address that segment due to restrictions placed on us in return for being able to onboard merchants immediately"

Or maybe the unique approach is not a factor here in these decisions.