Hey if Stripe really is reaping in the profits I have great news for you! Someone, maybe even you, can launch a competing project, offer a similarly polished API, and charge 2.5% and reap slightly less profit but still almost pure profit! Once that happens, Stripe will be forced to reduce its fee and everyone on the internet will be able to keep a little bit more of their money. Everyone wins (except Stripe and NewCo)! In the meantime, people get to choose if paying Stripe 3% is worth all the headache that it saves or if they are better off with a different approach. Hopefully not to many people will get tricked into pay Stripe outrageous fees for being a middleman while we wait for capitalism to work.