Just as an example, any business that deals with sex - porn sites, strip clubs, etc. have higher returns.
Why should your mom and pop diner with low fees pay more? When you are in certain types of business, you can take that as a cost of doing business.
But no matter what the reason is, if Stripe doesn’t get the money back why should they eat the cost? We should want companies that we use to pass the cost of doing business + profit to make enough to be sustainable.