What I described is the core service at the heart of all payment processors. If this service is provided to customers (and merchants) at no cost, then the entire structure of payment processing changes dramatically.
There's also no obvious reason why Stripe and all other payment processors and credit card issuers and banks and financial services should not be carrying the cost of all the things you've mentioned, rather than them being part of the costs passed on to customers and merchants.
There's also no obvious reason why Stripe and all other payment processors and credit card issuers and banks and financial services should not be carrying the cost of all the things you've mentioned, rather than them being part of the costs passed on to customers and merchants.