One reason Stripe may stop doing business with a party is if they do not believe that party is going to be around long enough to honor their warranty risks because Stripe is the merchant of record on these transactions. The inability of the OP to get basic bookkeeping terminology right would be an excellent reason to cease doing business with them, both as an IPSP as well as a potential customer.
Companies magically going out of business after getting their money is one of the reasons these hold backs exist in the first place.
This is double counting, and not how you calculate net loss.
You can't take both a negative and a positive cash outflow, then make them both positive and add them together.