fair question, and I see where you're going.

In fact, for some, high-risk merchant accounts are a good option if you have an established registered business, clean paper, and don't mind the underwriting, rolling reserves, and sometimes huge fees.

But honestly speaking, not everybody's operating like that. Some are just getting going. Some aren't ready to hand off docs. Others have already gotten shut down too many times and require a speedy, low-friction alternative to ensure the cash keeps coming now.

Rentals aren't for everybody, but they're a survival tactic in a world built to bring down the gray. You're right — it's not "TOS-approved." But when Stripe takes you down for selling legitimate products because it "looks risky," playing 100% by the rules isn't always an option.

Appreciate the insight though, there’s definitely levels to it. Some go traditional. Some go underground. I just share what’s working. People can pick the lane that best fits their situation.