Who do you mean as “the stripe user”? As a customer of a website using Stripe, I have very little concern for fraud, MasterCard and Visa protect me quite well. As a website operator who has somebody use a stolen credit card on my site, MC and Visa protect the owner of the stolen credit card quite well. Stripe is protecting both the website operator and the real owner of the credit card.
Having done some anti-fraud work in the past... that is
Not something I would turn off for some over wrought privacy concerns. There is a reason for the GDPR exemptions for this.
