The read the terms of service or take your business elsewhere arguments ignore:
  1. its really hard to start and run a small business and 99.99% of the time everyone will go with the easiest option so you can focus on running your business and not dying. Not taking a side or saying this is right, its just true. Stripe is often one of the more expensive payment options, but everyone uses it because its the easiest. Ease > cost for almost all businesses when it comes to payments.
  2. if the pressure is coming from Visa/Mastercard, central banks, or big powerful government entities this could easily eventually spread to most or all other major payment providers and leave few if any good options. While I love and applaud things like BTCPayServer, fully self sovereign payments are way too hard for all but the most hardcore technical Bitcoiners, which are probably 0.000001% of all business founders. Until the bitcoin payment tools get 10x better and easier most mainstream business just won't bother.
We unfortunately need fiat for now to run successful businesses. Just the hard truth.