Looks like the HN backend needs another stealth founders-only feature: highlight known troublemakers to remind people to probably not interact with them unless you know you can win a pet argument.
I'd say it's more like asking a fellow air passenger, in earshot of others, whether that thing they just put to their lips is a candy cigarette or a real one.
Payments systems are complex and the regulations are complex. I don't think it's rude to ask questions about complex topics, and here I honestly do not know what Stripe is doing. As both a Stripe customer and competitor I have the right to ask.