I'm a fan of Stripe generally and loved the concept of Atlas when I first heard about it.

I'd be slightly concerned about the commitment bias that might creep in though for startups who rely on Atlas for all their incorporation and financial needs.

As a future gatekeeper for some pretty crucial operational issues, do you see any risk in Stripe eventually becoming a dependency for startups?

I'd compare it slightly to the App Store where Apple made it simpler for developers to submit, launch and market their apps. As the gatekeeper they then kept increasing their portion of in-app charges. Reduced friction at the start for developers resulted in a sort of sunk cost problem at a later stage.

As Da Vinci said "it's easier to resist at the beginning then it is at the end".