Stripe should be entirely capable of differentiating between first-time declines (which might be someone testing cards) and a previously good card used for recurring charges that's out of funds or no longer active.

If your declines are well outside the industry norm because of the scenario we're talking about, I'd consider it a sign your unsubscribe process is too onerous or broken.

> So is it too much to ask to differentiate between good and bad businesses?

How am I going to know in advance if you're gonna put me through the ringer to cancel?

It's a safety measure.