I spend $60,000/year on Stripe and it keeps me awake

I spend $60,000/year for @stripe. Yet, it's the service in my tech stack causing me the most headaches and keeping me awake at night. Stripe considers a 0.75% dispute rate excessive. If I get banned, all my 9 Stripe accounts are frozen and I might have to close all my tiny startups. The dispute below should have never happened: 1/ Credit card marked as fraudulent and blocked. 30 seconds later, the same credit card goes through. 2/ Early Fraud Warning event triggered > my API tries to refund the payment instantly > 20 minutes later "payment disputed"