There are StackOverflow posts going back to 2017[0] and Github issues with direct acknowledgement from Stripe employees with no solution offered.[1]
I even reached out to Stripe support before publishing my first post, and they told me that the collection behavior was by design and in my users' best interest.[2]
I've been very impressed by Stripe's response here, but it's demonstrably not the same response they deliver to customers who go through normal support channels.
[0] https://stackoverflow.com/q/45718026/90388
[1] https://github.com/stripe/react-stripe-elements/issues/99#is...
[2] https://mtlynch.io/stripe-recording-its-customers/#reporting...