You're making some huge hand wavy statements based on this single anecdote...
I wouldn't go as far as to say they've fallen to the "bean counters" but they definitely aren't as customer obsessed as they have been in the past and quite a few gaps in their armor are becoming obvious.
But it does sound like we did drop the ball with you, and I'd like to figure out what happened if you could forward me an example at edwin@stripe.com.