As a customer unable to remove a credit card from my account, despite the service being inactive and cancelled, because the service is "still active", I'd rather have someone I can contact to resolve it, rather than being pointed to the uncontactable merchant.
Fix your broken things first.
(I won't even make OpenAI et al. an exception, it just happens to be obviously the right tool. If sufficiently educated Mechanical Turkers looking through Wikipedia etc. and typing responses was cheaper than LLMs they should do that for 'ChatGPT'.)
A nice side effect then is that the huge variation in what's 'AI' (from logic & linear regression through generative NN video) doesn't seem so absurd, it's just a bundle of tools, of course there's a variety.
It's tough for Stripe to intervene here because Stripe is not aware of what contracts exist between you and the merchant, or how the merchant is integrated with Stripe. A scammer could initiate service, tell Stripe to remove the card, and still get access to the service (because the merchant isn't listening to web hooks). This is a new fraud vector that ultimately violates the trust between Stripe and the merchant.