>The first point is plainly false. Braintree isn't "suffering."
"suffering" may be a little colorful in choice of words, but I don't think it's strictly false, especially on HN where Stripe.com gets beaten in per-domain popularity only by the almighty domain-overlord himself, paulgraham.com
>The third point is true, but cynical and obvious.
I disagree that it's obvious. I think many people underestimate the potential cost of binding their entire business to a single platform, especially when that platform is payments, something that inherently people _do not_ under any circumstances try to mess with if it already works.