Discord has excellent moderation tools, is economical and relatively user friendly (compared to IRC). If you desire a public space for your community to engage with you in real time, I'm not aware of a better alternative.
No, you're supposed to use the abysmal Discord search feature to find your question among a billion chat messages, or post it in one of the 150 channels we have for each topic under the sun. No sorry, wrong channel. Oops, your message got lost somewhere in the thousands of messages we receive per day.
My history might be a bit fuzzy, but that exists in lineage from when Stripe had an IRC channel for dev support.
This is Stripe opting to go to where a core customer segment (developers) live. Discord sucks but from a business perspective it’s smart. You wouldn’t use their Discord chat for just any issue.