I'm guessing the risk on Stripe's side is that OP (or someone else!) is using a bunch of stolen credit cards to make purchases. If there are a lot of chargebacks, Stripe's on the hook for that.
2. Could it have helped if Stripe/random payment processor had a way for you to indicate you expect a sales spike and a specific contact route?
Possibly only available to accounts with a cyclic transaction history (multi-year).
I think like 5+ years back chargebacks and credit card fraud was like 0.5% or less for us…