So, the customer did a chargeback with their bank, won, and you want Stripe to eat the loss?

If I pay for something with a credit card and win a dispute with my bank, should Visa do its own investigation? And if Visa's investigation is different than my bank, do they comp the merchant?

Banks already do dispute resolution. It's maybe not the most objective system since the bank is getting paid by the customer, but it's the system we have. I'm not sure why Stripe should have this responsibility as well and I don't see how switching to a payment method other than cash or crypto would've prevented the customer from winning.