Why do you assume they're holding the money for legimitate reasons? I count as much more likely they're just fucking up and have no idea or don't care enough.

Plenty of example of this, event amongst top tech companies: see the clusterfuck that is youtube copyright claims for instance.

Every time there are automated flaggings, there are fuckups. We can accept it if there's an efficient way to challenge, but that's not happening. Stripe/Google doesn't care and/or it would hurt the bottom line too much.

Also if credit cards company are much better at this, I don't see why Stripe gets a free pass for sucking.