It's because they support credit cards, which have easy chargebacks. If you can get customers to pay via bank transfer/FedNow they could allow a lot more scummy sounding businesses.
Of course then the customers are going to get scammed or killed a lot more and will sue Stripe!
Beyond technical aspects I don't see the added value. In fact gumroad kept some earnings because when it came time for payout I had to (re)qualify under stripe's terms. Who was the scammer in that siuation? I'd say gumroad was.
I've processed with added value high risk processor platforms who'll handle hair extension transactions. For 15%. All it required technically was an html widget link.
That processor also used to not require the annual mcvisa fee. Amazing loophole lasted for a decade. They do require the fee now. Progress.
As for the main topic of touchy feely confessions that is 100% directly out of the communist struggle session playbook.
Of course then the customers are going to get scammed or killed a lot more and will sue Stripe!