"I've had a good experience with Stripe so everyone must have unless it was their fault" is a good example of the Halo Effect. It's entirely possible that Stripe have failed one of their customers without it being the customer's fault.
I'm trying hard to read your words, but I can't stop noticing your username and having Clerks flashbacks. Have a great day - you (inadvertently) started mine with a good laugh! :)
