Most of the financial policy around stripe is dictated by Wells Fargo (check the Stripe TOS..."Wells Fargo" comes up 27 times). Good to hear you haven't had issues, but it's probably more to do with your particular risk profile than anything else.
I'm not trying to be an ass, I've just had to do a lot of comparison shopping for merchant solutions. For online transactions, if you have reasonable volume, you can get a rate that equates to about 2%. For interchange plus, it's the actual interchange rate plus some flat fee or percentage. Interchange rates (for online/card not present) vary from "well under 1%" for transactions on debit cards to "almost 3 %" for high end reward cards. Your actual rate depends on your customer mix.
What bugs me about Stripe is that they give someone that does $99/month the same rate as someone doing 5 figures a month. They won't talk discounts until you're doing $1M/year. The "middle class" Stripe customers are subsidizing both the low and high end.
It's particularly odd since the Durbin Amendment went into effect. It lowers the interchange rates for debit cards, they now can't exceed 21 cents plus 0.05 percent. On a $100 transaction tied to a debit card, Stripe is charging 2.9%, and incurring 0.26% in costs.
