Unless you get a decision overridden by Edwin your pretty much stuck using an alternate payment process. I have been thankful Edwin was available here on HN, and Stripe definitely has a much more reliable product than competitors.
It's incredible to me that despite the sheer size of these companies, and the enormous number of customers from all over the world, that there's a place you can go and get someone who will pay personal attention to your issue.
Kudos Edwin.
Email Edwin and also reply to their comment on HN conveying the high level summary of what you think is going on with your account.
Normal Stripe support reps seem to stick to the script no matter what. Edwin has fixed edge cases for HN users in the past thankfully.