Stripe is just an example this applies for the other companies that offer similar payment services.
If the President of the US wanted to be evil, the Illuminati would take actions to make sure none of his plans happen. That's a joke, but the credit cards are somewhat like that. The system is designed to be very chaos resistant.
If someone wanted to be evil, I'd say try something that isn't bank or credit card related. Crypto used to be the thing, but it's no longer the wild west. I'd say something acts like a bank but isn't a bank is more dangerous. Something like construction companies. They have the power to basically give loans and move around lots of money but aren't held back by regulations.
Businesses could somewhat easily switch over, they aren’t a monopoly, they’re just the easier option.
They could be more subtle and just start selling data to advertisers, insurance companies, etc. This could increase their valuation by a lot, but idk how competitive they’d become. Every other payment facilitator can do that as well.