There is a tremendous amount of fraud abound. Payment service providers like Stripe sit in between businesses and credit card companies, who proxy banks, who proxy customers.
Banks are pretty solid, as are credit card companies, so the transitive nature of these transactions means Stripe proxies customers. A significant feature of modern payment processing is the ability to reconcile fraud for either party, but typically these measures are structured in a way to protect the customer.
For example, you buy a $3000 computer and the business goes under before they can ship it to you. It's likely you can get your money back by calling your credit card company but it's not like they're being generous. What happens is exactly what is happening here:
Money is held until it can be safely cleared without dispute; money is clawed back from merchant bank accounts and held until it can be cleared (there is practically no limit to what can be clawed back out of your merchant bank account).
If this makes you uncomfortable, don't deal with credit card companies, and only take cash. It doesn't matter who your payment processor is, this can and will happen with any of them.
I'm sympathetic to the OP here, but from a business perspective, the fact that this is such a significant event is a red flag. Shit happens -- your credit card could be stolen, you could be robbed, you could be defrauded -- it's prudent to have a safety net for when such things occur. And while realistically such safety can be unreasonable to secure, that just signals to me that so much of society is living at the edge of a knife. It's easy to be angry at Stripe here, but I believe that's misguided.