Exactly. To give another example, I was at Lucent in the late 90&#x27;s, just before the telcom collapse. Ultimately, Lucent stock collapsed by 90% and the company was bought by Alcatel (which was just bought by the remaining parts of Nokia that Microsoft didn&#x27;t grind into dust, but I digress). A big part of what brought Lucent down was not just that sales of communications equipment plummeted, but also that Lucent <i>had extended financing to its customers so they could buy more equipment</i>, and then those same customers defaulted on their loans.<p>Ultimately, it&#x27;s important to make sure that a loan-granting organization is run separately from your core business, to avoid people making poor-quality loans just to goose sales numbers.<p><i>Still, we&#x27;ve been with Stripe since then and have had no problems.</i><p>yet ...<p>There was a recent article on how hoverboard sellers have suffered massive fraud losses, that specifically talked about how Stripe is trying to chase people to recover hundreds of thousands of dollars in chargebacks. That can&#x27;t happen too many times, given the thin margins of payment processing, before they have to do something to protect themselves.