We should, but the problem is consumers want the protections offered by PayPal and VISA who do fraud analysis and can clawback money etc. etc..

There's definitely a space for 'digital cash', for sure, but consumers will prefer the former.

When it comes to money, there are just deeply inherent issues of dealing with fraud, spam, goods not delivered etc. etc.. which adds significant overhead to the whole system.

Most people playing above-above board don't have a problem.

Usually in these cases, it's because something semi-shady is being sold, and it usually contravenes one of the T&Cs of Stripe.

The OP here didn't tell us what line of business they were in.