Stop using Stripe, this is what you sign up for when you use them. PayPal is not much better. Use Adyen, or a processor that doesn't have to squeeze every dollar out of the transaction like Google Payments.
Paypal, Stripe, and any other major payment processor have developed a strategy of letting users use the service with no restrictions until they hit that volume then they begin doing things like this.
Ultimately, this is caused by regulation and needs to be fixed by regulation, but it won't because practices like this are extremely lucrative.
I'd say good for them. If you accept that kind of shit (in business or in a relationship) you deserve it.
Conventional payment processors like Wells Fargo, BoA, and others do the paperwork up front, and then give you access. They don't have the spiffy features that Stripe and Paypal has.
Ultimately, I think Paypal and Stripe could have a better system, but they profit immensely this way. Like you said, good for them, but sucks for the industry because it is one of the barriers to growth is getting hit like this as you are scaling is huge.
There are 3 stages:
You are small: Stripe and the like work best because they are easy to set up and your small payments are low risk
Your are medium sized: You start to hit restrictions with these services but can not get any real support. You should work with a small indie processor.
You are big: You can get support (probably) so going with the big powerful solutions starts to make more sense again.