That's not a good analogy. Stripe and Visa don't deposit the money in their account and hold on to it, it literally goes directly from the payer to the payee, they just facilitate the technical movement

Insurance money goes from the insured, into the insurance company's bank account, and IF the insured customers need services, it's then paid to service providers. If not, it sits in the insurance company's bank account as profit

Considering insurance premiums that are later paid as insurance claims as not being revenue is absolutely bonkers and there's a reason that's now how the accounting actually works