Stripe banned us for payment disputes but we never had a single dispute

As someone with a pre-launch SaaS who just signed up for Stripe, reading this has me shook up a little bit. I'm Stripe-integrated for payments, and poised to go through Stripe Atlas soon, or at least I was.. Now I have no idea what to do. I know that OP's story isn't spotless, but what if it's my thing that gets in this situation too?

I wish I could say I'm joking but I don't need this right now, I'm ~90 days out from launch, I should be tweaking final touches, not building just-in-case backup integrations with other processors.

Like another commenter said, think about your payment processor like another thing which needs redundancy. Have another one prepared - braintree or whatever.

That's my initial assumption. I'm curious if this is common behavior to have two integrations, or if it is prohibited by the TOS.