It seems like you're worried about something that may happen, if you sit around worrying about everything that could possibly happen you'll never go anywhere.
If you are that worried about Stripe that it is keeping you up at night, just move off to another payment processor, sure their documentation will suck, and you may need to use some really terrible library, but besides that it's the exact same. You may even safe a few cents a transaction as Stripes fees are not that cheap.
If you are that worried about Stripe that it is keeping you up at night, just move off to another payment processor, sure their documentation will suck, and you may need to use some really terrible library, but besides that it's the exact same. You may even safe a few cents a transaction as Stripes fees are not that cheap.