I'm fully cognizant that pc understands how payments work, hence why I'm asking the question. What you can infer is this - there is either some I'm missing, or there is some ulterior motive here.

I don't know who pc is, and he mentioned speed as a benefit without addressing the fraud / abuse implications. It's pretty reasonable to flag the gap.

Patrick Collison, the CEO & co-founder of stripe. His profile mentions his personal website: http://patrickcollison.com.