As fun as it is to blame Stripe for bad UX, at the end of the day Stripe helped you make an agreement with the US Government: if you didn't read that agreement, that's on you.
And as general feedback: very few financial situations are improved by full blown panic. The government's penalties tend not to have per-minute granularity, so in almost every case it's worth taking a step back and gathering facts w/o the panic.
