But stripe already charges the customer for disputes, and presumably makes a little margin on top.
I can understand if they're saying "we think you're about to get a lot of disputes, and you may not be able to pay for all of them, so we're going to hold some of your money for a few days just to see".
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It's really all about risk.
There are certain categories of transaction that see a lot of disputes.
Payment processors, banks, and card schemes (like Visa/MasterCard) don't like disputes - they are costly to deal with.
But stripe already charges the customer for disputes, and presumably makes a little margin on top.
I can understand if they're saying "we think you're about to get a lot of disputes, and you may not be able to pay for all of them, so we're going to hold some of your money for a few days just to see".
But that isn't what they're saying.
It's really not. It's about regulatory requirements and political pressure (including the attempt to avoid said political pressure)