Nearly everything in that space comes with a sea of confounding factors; biological imperative is fickle thing. I find it akin to gambling, in that folks with impulse control disorder are most susceptible to making rash and often ill-advised decisions.

Point I'm trying make is you can't sensibly extrapolate lessons from there and apply them to a different space. Sadly. Because it is an absolute cashcow and I reckon it probably makes for like a quarter of Stripe's income.