AWS's playbook can be described as: 1. Provide low level infra 2. Observe what customers build on it 3. Create a general solution and charge a premium for it 4. Repeat, moving higher up the stack.
Not to mention Amazon.com's "Basics" playbook of finding what sells, then knocking it off, releasing their own version (and ranking it higher for search).
We already have a Small Business Administration that gives loans to small businesses, including start-ups. There’s also an extremely vibrant venture funding industry out there just waiting to write checks.
Additionally, it would be hard to argue that Stripe has anything like a payment processing monopoly. If you don’t like their products, use one of the myriad other companies offering payment processing solutions.
I didn't argue Stripe has a monopoly but even ogilopolies once mature enough are problematic.
Also of you're trying to argue VCs make investments in companies that ultimately make good decisions for society vs. self-interested - then I disagree.