And the EU SEPA (a sort of inverse bank wire where you charge the user account) is a joke too: if the customer account is empty or locked, a dispute is opened and closed in the same instant, the seller lost it and have to pay a chargeback fee of ~$10, plus the Stripe % fee on the amount, and the original transaction is rolled back of course. All this automatically.

This happens also if the customer open manually the dispute.

There isn't any valuation by Stripe.