The big problem here, as mentioned in the post, is that banks (esp smaller ones) frequently reject legitimate evidence - and stripe don't allow you to go to arbitration. So it's basically asking the banks if they'd like to admit wrongdoing.
For example, we've had a bunch of fraudulent transactions that had 3DS approval - meaning we are covered by liability shift. But certain banks don't care and issue fraud chargebacks anyway!
If stripe allowed you do go to arbitration or at least helped out in keeping the banks straight, this would go down better.
